23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

I pulled my credit report just to see that there was a fair amount of inquiries to my credit report. In the Attachment, it will be a list of accounts along with the date of inquiry. These inquiry accounts are fraudulent and not mine. I did not authorize or initiate any of the inquiries. I also wanted to add XXXX XXXX XXXXXX/XX/2023 which is an auto finance inquiry.
Product: Checking or savings account

I noticed a fraudulent charge on my bank of America checking acct. It was shown as XXXX XXXX XXXX CHARHED amount was {$510.00}. This charge did get approved by my Bank. The second charge was to XXXX in amount of {$790.00}. My bank did not honor it. However ; both these charges listed that they were through XXXX. I call the number associated with the charges and they did answer the phone as XXXX. how may I help you ... .I explained these two fraudulent charges to the man named XXXX . He said it would take a few minutes to find the charges & investigator and he would call be back shortly. He did call me XXXX. He said that no routing info or CC # was on file for my acct. He then asked me to log into my home computer and put my card info back so he could refund the two charges ( XXXX and {$510.00} ) .... so, yes I should have known better but it was XXXX and I needed that money back in my acct. So I did not use my banking acct & routing info in. As he asked me to do., I only put in my debit card info, he was not happen about that. He did said the money would be in my acct the next business day. So on XX/XX/2021 I started receiving texts from my bank asking me to verify the following charges to process : {$500.00} XXXX XXXX XXXX I immediately called fraud dept at my bank and told them I was not making any charges on my debit card. My bank declined all of them, thankfully .... 
Today I had written done the two companies that said they were to XXXX. One was XXXX XXXX and the second was XXXX XXXX. I called XXXX XXXX  and learned that this happens daily with them ... I looked up FTC and surprised to see that the FTC said they had successfully stopped this scam ... ... but I'm contacting you to let you know that they are alive and well and scamming people like myself everyday. 
I was very angry so I hit return call to reach XXXX at XXXX ... ..He actually answered me. And said he would call me back at XXXX XXXX  and make sure I had my computer on so he could refund my money while I waited. It just so happened that I was I'm my bank when he called. I put him on the speaker so the branch manager could hear XXXX. They told me to contact you guys and that my {$510.00} wouldn't be refunded for 7-10days. I am XXXX yrs young. I get XXXX from Social security and that has to last till next month. That fraudulent charge is almost half my total income. I gave bills to pay and I'm having to call them to tell them the payments will be late this month ... I'm very upset over this, I really should have known better. But when you think your speaking with XXXX I didnt think anything of it ... ..i pray you catch them and throw them under the jail ... ..if you need to contact me my # is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX And that XXXX person read my address to me to make sure he was talking with me. So they know everything about you when you call them ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My bestbuy card was closed in XXXX, after i paid off the entire balance on the account caused by inaccurate late fees and interest. I only took this long to report the account because Citibank restricted my access to my statement balance, but I recently found an old statement from XX/XX/XXXX. I was charged {$29.00} for a late fee for missing a payment on XX/XX/XXXX and XXXX even though I changed my due date on XX/XX/XXXX to XX/XX/XXXX. There is an email confirming this. 

On the statement it says the closing date was XX/XX/XXXX and that they were decreasing my credit limit. It makes no sense since I made two payments before the next due date XX/XX/XXXX, and paid the minimum on XX/XX/XXXX {$34.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} I request Citibank investigate this situation and show me their findings, if they do not provide proof, it would admit noncompliance.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed it had fraudulent accounts on the report. I do not have an affidavit for this particular dispute attached like previously submitted with my previousTransunion dispute due to the site having issues sending verification codes but will attach prior affidavit to this dispute as a continuation. The accounts are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, an individual who was previously employed by me as my right hand man, breached and stole my identity and gained unauthorized access to my credit, even resorting to accessing my mail. It is with a heavy heart that I recount the events that led to this unfortunate situation. 

XXXX XXXX was employed by me in the position of XXXX XXXX at my company from XX/XX/XXXX to XXXX XXXX. During his tenure with our organization, it became evident that XXXX XXXX had several character flaws and engaged in dishonest practices, which ultimately led to his termination. 

Dishonesty : XXXX XXXX displayed a consistent pattern of dishonesty during his time at our company. This included making false statements, manipulating financial records, and failing to adhere to company policies and ethical standards. 

Anger Issues : XXXX XXXX 's conduct also raised significant concerns regarding his emotional stability and anger management. On multiple occasions, he exhibited outbursts of anger and aggressive behavior towards colleagues, creating a hostile work environment. 

Access to Personal Information : As part of his role, XXXX XXXX had access to sensitive company information, including personal data of employees and clients. This access gave him an opportunity to gain unauthorized access to my personal information. 

It has come to my attention that XXXX XXXX, after being terminated, stole my identity and gain access to credit in my name. He went to great lengths, including accessing my mail, to achieve his fraudulent objectives. To address this breach of security, I have since recently implemented measures such as mail digests and heightened security protocols to safeguard my personal information. 

Upon uncovering these grave violations, we took immediate action to terminate XXXX XXXX 's employment and reported the identity theft attempts to the appropriate authorities. We have been fully cooperating with law enforcement agencies and have taken measures to enhance our security protocols to prevent such incidents in the future. 

I want to assure you that I deeply regret any inconvenience or harm caused as a result of XXXX XXXX 's actions. Identity theft is a serious matter, and we are committed to assisting in the ongoing investigation to bring him to justice.
Product: Credit card or prepaid card

On XX/XX/22 I scheduled a payment in the amount of {$340.00} through the online system. The payment was debited from my checking account on XX/XX/22. The payment was never applied to my credit card balance. I contacted First National Bank Omaha to notify them of the discrepancy and on XX/XX/22 I was asked to provide proof of payment from my bank. I faxed the information and did not receive any update or response for two weeks. I called on two separate occasions and each time was notified that the Accounting department is not available because of the time of my call. When I called during Accounting department 's working hours I was informed by the representative that the payment batch is ready and will be applied. The first week of XXXX I received a notice dated XX/XX/22 stating that the misposting of my {$340.00} payment has been corrected and will appear on my next statement. When I received my statement the payment still did not reflect and the inflated balance. On XX/XX/22 I sent a secure message to the bank but still have not received any response. I checked my account online today XX/XX/22 and the payment still has not been applied.
Product: Mortgage

I was told I could not get modification ok.so I was read on XXXX XXXX XXXX web hardest hit funds programs and XXXX XXXX XXXX home equity assistance or and repayment plans of up to 12 months to help catch up on a past due payments and I was not told about this forbearance I can do that all so I did not no they had all these programs I only no about the modification program I found this on XXXX XXXX XXXX web I do n't need my payment to be reduce i can pay that and all so and extra {$500.00} a month to caught up I 'm out of work because I was XXXX by a lady and she was very XXXX and that why I 'm out of work these last four year I ben having not such good luck first I had XXXX XXXX and I beat that thank to XXXX and now XXXX XXXX XXXX XXXX and both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have XXXX XXXX XXXX XXXX I did not ask for this. all I 'm ask for to be able to pay a full note and {$500.00} extra thank u
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft under the Fair Credit Reporting Act ( FCRA ), Section 605B. This section mandates the removal of all fraudulent information from my credit report. 
Unauthorized accounts have been opened in my name without my consent, impacting my creditworthiness. I have filed a police report and notified the Federal Trade Commission ( FTC ) regarding this matter.
Product: Student loan

Previous request was closed showing as a duplicate request IN ERROR. 

DO NOT CLOSE THIS COMPLAINT. 
THIS IS NOT A DUPLICATE REQUEST AND NEEDS TO REMAIN OPEN UNTIL RESOLVED. 

Loan with Great lakes was PAID IN FULL 11 years ago, was transferred in error to Nelnet XX/XX/year> as showing owed. Now they won't leave us alone! 

Issue with Nelnet is separate issue! 

Great lakes was to rescind transfer of paid in full balance and provide letter of rescission. 

Showed paid in full 11 years ago, recent information received shows paid in full in XX/XX/year>. 

How can a paid in full balance be transferred to a different company as owed?!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX {$14000.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX ACCOUNT # XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX {$500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX  ACCOUNT # XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX {$33000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$2500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXX {$260.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$3300.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX # XXXX {$1500.00} DATE OPENED XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I randomly got charged XXXX {$100.00} transactions at the same time. The transactions showed that my money was about to go my cash app ( the merchant ) but the issue is I didnt authorize to move any money to cashapp so I wanted it back in my checking account. Less than XXXX minutes when the transactions started posting it was still pending but I wanted the transactions cancelled. So I contacted chat right away but they said they couldnt do anything until the transactions were done pending but I wanted the transactions canceled before they were even done pending because I know I didnt authorize anything. So at the the same time around an hour after those transactions posted as pending and my {$500.00} was gone out of my account I contacted the merchant cash app through their chat and told them to cancel those transactions and my XXXX was not even in my cashapp account yet. Cash app told me they returned the funds back. My {$500.00} wasnt back in my checking account but once the transactions were done pending I started the dispute with XXXX XXXX. They now kept me waiting for weeks to get my money back just to deny my dispute. I contacted them back about it because they didnt even ask for no proof that I didnt authorize the transactions. So I sent them screenshots and more emails and they told me to wait a couple more weeks for their decision. They sent me the documents used against my claim and they make no sense. It says in the documents that by accessing the application and viewing the screens and transactions that I acknowledged it. That is wrong just because I was viewing the transactions doesnt mean I acknowledge or approved anything. So Ive called it about it to make sure they note that to the internal team. Ive now lost {$500.00} to these disputes that were wrongfully denied and have waited way too long to get it back when I know I didnt authorize anything it shouldnt take this long to figure that out by now and when I have all the proof.
Product: Debt collection

This is a response to Global Payment Check Services : Mr. XXXX VIP Preferred Check Cashing account with our service has been closed as per case number XXXX. The account was closed due to the consumer 's refusal to acknowledge and agree to the terms of service. Unfortunately, without agreed upon terms of service, service can not be provided. This is in no way a reflection of the consumers complaint history, but a decision based solely on the grounds of Mr. XXXX refusal to accept the terms of the service that we provide which he initially consented to in transacting. 

Response : After further review, it has been determined that the Terms and Conditions that Global Payment Check Services references are completely inaccurate with respect to what has been stated verbally over the phone during phone conversations with their staff. Aside from what has been stated, the Terms and Conditions are vague, without recourse, and are not infallible. My rights as a consumer making a valid complaint precludes any Financial Agency or Organization handling Billing Inquiries by themselves or through a Third Party Agency from legally banning me, and putting a clause in any Terms and Conditions which would appear to neutralize a company from any litigation, goes against Consumer Rights. Conclusively, Global Payment Check Services has failed to acknowledge receipt of their mistake. The Terms and Conditions to which they claim to have written were understood differently when I read them, and it was only until they attempted to clarify things that they decided to close the account without further acknowledgement that they are at fault for the misunderstanding represented in the paragraphs contained within the Terms and Conditions.
Product: Mortgage

I inherited a house from my mother in XXXX of 2015 and the house is financed through Ocwen mortgages. I have been trying for several years to refinance the home because Ocwen keeps raising the interest rate every 6 months, and have not been able to, due to most of my income being tips from bartending. Ocwen refuses to work with me and now my interest rate has jumped 5 % in the last 3 years. I feel there is something not right here and Ocwen is not being truthful.
Product: Mortgage

I lost employment in XXXX XXXX and can not work due to an injury on that same job in XXXX XXXX. I contacted my mortgage company to apply for a Modification. At the time My income was over {$XXXX} per month for three months ( until my contract as a XXXX ended ). I explained that after that time my income would end and I would be on Workers Vompensation insurance. I did receive a Modification that reduced my mortgage payments from just over {$1200.00} per month to about only {$1100.00} per month. After one year, XXXX XXXX, I called again to see what help I quaualified for and was told that I 'could n't get another modification within two years '. I told them that I did n't think that was the law. I was also informed that I would be considered for forms of help. The result was I did not qualify for any help from Wells Fargo Mortage although I have been a mortgagee for over five years had a good payment history for those years. I informed my representative that I was unhappy and believe they trying to force mebintonforecliser. I am XXXX years who have divorced for over 13 years. So, I needed the temporary help until my injury is treated and I return to the workforce. I am very displeased that they dropped my mortgage payment about {$100.00} after the Modification. However, when I contacted them in XXXX XXXX I was seeking temporary help until I was able to return to work. However, I was asked about selling on a short sale and other questions that led me to believe they rather force me to foreclose. Sine, that time, I have received letters demanding that inpay XXXX payments or more at a time to catch up. I told the representative that I could stay near caught up ( XXXX payments behind ) until such time as I file for my income tax refund in XXXX XXXX. Although the company when through all the protocol required to help me, I feel that their intent was not to consider me for another Modification, nor for other help. They continue to ask if I want to keep my home as a standard question. I have always told them Yes. But, I do n't believe that they are theists rested in helping, even temporarily. I need for them to help me with lowering my payments for as long as it takes me to get on my feet from the injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 Balance {$5600.00}