23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX of 2022 I was issued XXXX separate checks from XXXX XXXX ( who banks with Bank of America ) for the death of my husband. XXXX was for {$150000.00} and that was for supplemental life insurance and the XXXX XXXX was for {$67000.00} and that was for basic life insurance i did not have an account with Bank of America. So I opened a checking into savings account and I deposited the larger check into my savings account and the smaller check into my checking account. I was assured that on the next day which was XX/XX/2022 of portion of each check would be made available to me, and then the remaining balance would clear within XXXX to XXXX business days on the XXXX. I viewed the mobile app and it told me that my savings account had a balance of {$150000.00} and that my checking account had a balance of XXXX and that the {$67000.00} will be made available on XX/XX/2022. However after going to the bank to withdraw money in XXXX instructed that there was a whole placed on the money. I was told that theres an entire restriction placed on my account due to the font on XXXX of the checks looking suspicious, I contacted XXXX XXXX, who told me that they were unaware of any problems with their checks front looking suspicious, but that if yall would contact them, they could resolve the issue that they did that they had no problem explaining that they did in fact, issue me both checks I instructed this to Bank of America to no avail. I spoke with numerous supervisors, including the bank manager, and the fraud and the wrist department over the phone and was told each time that there was nothing that they could do about it, and they would be made available by Tuesday morning or XXXX to XXXX hours. Im having a hard time understanding why a bank has to verify a check that they themselves wrote and upon asking if I could just cash the checks and have the money I was told that they could not do that no other bank will cash that amount of a check so if Bank of America wont cash it then Im not sure who would and the fact that I have to wait XXXX days for them to verify their own check is preposterous in addition to the fact that Im already going through a lot considering my soul financial provider in my family has already passed away. Me and my children got evicted shortly after he died and we are sleeping on a friends floor with no idea how Im going to get them XXXX or anything and have been waiting on this check for this specific reason we purchased life insurance so that we would not have to go through this if something happened to my husband and Bank of America is making this a lot harder than it needs to be your XXXX to be. Im thinking that they have wrote a check that they cant cash so I need some help and when I asked how to file a formal complaint, they told me that I had to take my ID and go back to a location that Ive already visited XXXX times in the last XXXX days and in addition to that I would like them to show some type of compassion or sympathy for my whole situation, in general to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. I believe someone stole my identity and opened this account without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX XXXX FIN XXXX Date opened XX/XX/2017 Balance {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows a charged off account that is not mine. I have already disputed it and they have responded by saying it is verified. It is a XXXX XXXX account. Equifax only shows four of the account numbers ( which aren't mine ) and no name or social security number. 
My personal XXXX XXXX account is eight years old and is open and in good standing so I don't understand this report. If Equifax can't verify who the owner is how can they list it as mine?
Product: Mortgage

I have XXXX mortgages with PNC which I have always paid on time for 9 years. 
XXXX within the past three months my payments have been mis-applied tothe XXXX mortgage along with added " late fees '' from PNC. The most recentmisapplication of funds have taken me through XXXX separate Customer Service & collections representatives to correct. I still send in my payment due on time & it gets applied to the wrong month, again bringing up a " late fee. '' I am having troublewith the issues being resolved in a timely manner & I feel like there is no follow-thru in the company. Otherwise I would not be having to deal with the same mistake ontwo occasions within such a small time frame. I usually send in XXXX check withXXXX payment coupons along with BOTH account numbers on my check. Now Ihave had to resort to sending XXXX separate checks with accounts written on themalong with XXXX payment coupons. Hoping to have this resolved soon, definitelyready to take my mortgage elsewhere & happy to share with others the VERYpoor service I receive from PNC, I am very disappointed.
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal Credit Union regarding multiple over drafts I have incurred. Despite having sufficient funds when trans actions were authorized. I was charged fees due to lagged posting of charges and credits. This issue alligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficent balances despite initally available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA is reporting a debt on my credit file that is not mine! I recently checked my credit to start working on buying a home and noticed that CBNA was reporting a charge off. I have never opened an account with CBNA!! This account is fraudulent and needs to be removed from my credit. This is severely affecting me and it's not my debt! I suggest they find who this debt belongs and remove this account from my credit entirely.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email on my XXXX account from two home service providers ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I received several emails being apart of a class action lawsuit regarding hacked servers that had proprietary consumer account unique identifier information that was exposed on the dark web using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These hacks caused unauthorized debt to be posted to my personal line of credit in associated with the last four digits of my SSN being used to uniquely identify myself when calling customer service. These hacks have caused financial harm to my own personal life and I am asking the leading credit bureau Experian to delete reported items due to a violation of privacy laws by the Federal Trade Commission.

In addition to this complaint, there is an unauthorized auto loan currently being posted to my credit I need removed due to unauthorized use of my personal unique identification such as my SSN to obtain lines of credit. 

This letter formally addresses an unauthorized auto loan appearing on my credit report. I am writing to dispute this entry and request its immediate removal. The loan was obtained fraudulently using my personal identifying information, specifically my Social Security number ( XXXX ), without my knowledge or consent. This constitutes a serious breach of my personal data and is causing significant financial harm. 

I have attached a copy of my credit report highlighting the fraudulent auto loan. I request a full investigation into this matter and confirmation of the steps you will take to rectify this situation. I expect the inaccurate and unauthorized loan to be removed from my credit report promptly. Furthermore, I would appreciate a detailed explanation of how my SSN was compromised and what measures are being implemented to prevent future occurrences of this nature.
Product: Credit reporting or other personal consumer reports

XXXX is continuing to show that they hold all of my accounts with over {$60000.00} worth of loans, however, they were paid off by consolidation with XXXX in XXXX. I noticed that the loans reported by XXXX were duplicates and submitted a dispute through XXXX XX/XX/XXXX to have the accounts showing closed, however, XXXX reported there being no errors and the accounts continue to show open on my credit reports. 

My loans have since been forgiven through PSLF and XXXX has removed them from my credit report, but XXXX accounts still show. I submitted a XXXX dispute through XXXX to XXXX XX/XX/XXXX, and XXXX has yet again refused to update the status of my accounts. 

I called XXXX today, XX/XX/XXXX, and was told that the accounts will just " take some time '' to remove from my credit. There was no specific date or timeframe provided and no explanation. It makes no sense that XXXX would take XXXX years to remove information from my account, yet XXXX was able to get everything removed within a few weeks of PSLF being forgiven.
Product: Checking or savings account

I use the deposit atm at Bank of America atm ( XXXX XXXX XXXX NY XXXX the atm ID is XXXX ) around XXXX XXXX. in XXXX XX/XX/2022 and all my money I put in there all is bills XXXX $ around total XXXX $ Is gone ATM showing counting my money and then show up machines errors so I cant get my money back anyway can you help me for this problem anyway can I get my money back I have video records while I use deposit and atm show counting and error that is a lot money that I need to use survivor here so please help me Regard XXXX XXXX
Product: Debt collection

To CFPB - Harassment Complaint - XX/XX/XXXX Since XX/XX/XXXX, for no previously communicated or otherwise known reason, I have received 23 harassing, debilitating, debt-collecting recorded telephone calls ( averaging one or more per week ) from Harris and Harris, Debt Collectors, XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. And since I have been debt free for several decades -- e.g., zero credit card interest ; by-the-book sale of my home of 25 years in XXXX, XXXX, with no lose ends -- the initial legal guidance requested suggested that I not answer the calls as they were likely a mistake. 
-- 23 calls - XXXX XXXX -- XXXX ; XXXX -- XXXX ; XXXX -- XXXX ; XXXX -- XXXX ; XXXX XXXX -- XXXX. 
Eventually, I did call Harris and Harris back several times, and received a short recorded message before the call was transferred and got : ( 1 ) disconnected ; ( 2 ) " No one is here to take your call. Goodbye! '' ( 3 ) silence. 
Again, I have received NO NOTICE of specific debt re : this matter before or during this nearly one half year marathon by Harris and Harris of poignantly painful calls, coming from a debt collecting company that continues to get an A+ rating from the XXXX XXXX XXXX of XXXX , IL despite as many as several dozen consumers mistakenly ( a tweaked algorithm? ) contacted annually. 
Yours sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, PA XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a natural person, I am a living human being, I have the right under 15 USC 1681.

Equifax Govern by 15 USC 1681. 
And they violated my rights numerous of times, I demand the accounts listed below to be removed XXXX XXXX XXXX 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 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish this account above.
Product: Payday loan, title loan, or personal loan

I reached out to NCB concerning two payday loans that appears to be fraud in my name. I have asked for the Original wet signed contract, Payment history, The debtor original name and date the loan was taking out. I have attached the documents that was sent back to me through the mail. 

This debt is tied to a bank account that is not mines according to the documents that was sent back to me. I had a bank account with XXXX that was my deceased father 's Estate account only no personal bank account for me at this bank. 

NCB Management stated I owe now XXXX and XXXX to them through this checking on account that is not mines. 

Please note that letters that were sent have no debt balances on them. The balances I listed is from my credit reports I pulled recently. NCB has also updated the collections on my credit report as 150 days passed due damaging my credit even more. 

Thank you,
Product: Credit card or prepaid card

Barclay 's Card for XXXX charged interest for the full amount of a purchase at XXXX as soon as their " promotional period '' was over. The majority of the device was paid ( about 300 $ left ) and I was slapped with a 400 $ fee for the entire amount of purchase. I was not aware of this deadline and I was NOT notified by the company via email, mail or phone.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX 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 XXXX000.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

This debt was wiped away/made null and void per the vice president of the company via a phone call he made to me several years ago due to his acknowledgement of unlawful/predatory practices used by Republic Finance LLC and it has still been reporting on my credit, infact, the debt has been growing by around XXXX dollars every month from what research i was able to do. It is showing up on my credit as a debt of about XXXX USD and this is false information. Please correct this asap. Remove this from my credit. This is not acceptable behavior from a creditor. They've been dragging me around by the neck from DAY 1 of our interactions. Do not do business with Republic Finance -- Ever.
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 XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized hard inquiries on my credit report and i contacted transunion XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agency. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I informed Caine & Weiner in writing in response to an SMS text message on Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX that I do not have a XXXX account and that they are not to communicate with my phone number via SMS or phone call. 

On Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX, I was contacted again via SMS at my phone number with a message saying Caine & Weiner is here to help you resolve your XXXX XXXXXXXX XXXX account. Please contact me to discuss your options. 

XXXX XXXX XXXX XXXX XXXX online at  XXXXXXX XXXXXXXX XXXX I responded on Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX  saying, You have already been informed in writing to not contact this number. I do not have a XXXXXXXX XXXXXXXX account and I am not affiliated with a company that has a XXXXXXXX XXXX  account. I am formally complaining to the CFPB about your contact after I informed you in writing to not contact this number. I will be sending screenshots of this conversation as well as my phone records. 

Since those messages were sent, I have been receiving sometimes more than three phone calls a day from Caine & Weiner regarding collecting this debt that is not mine. I also informed them more than once that the debt is not mine and to stop contacting me. 

On XX/XX/2022 at XXXX XXXX XXXX, I received another SMS text message from Caine & Weiner saying, Please contact me about your balance due to XXXX XXXX XXXX XXXX XXXX XXXX online at XXXXXXXX XXXX XXXX I replied on XX/XX/2022 at XXXXXXXX XXXX XXXX saying, Another complaint and screen shot is being sent to the CFPB. 

IT HAS ALREADY BEEN REQUESTED IN WRITING THAT THESE COMMUNICATIONS STOP IMMEDIATELY. 

IMMEDIATELY STOP ALL WRITTEN, VOICE ( PHONE CALL ), AND MAIL COMMUNICATIONS TO THIS NUMBER AND ANY EMAIL OR PHYSICAL ADDRESS ASSOCIATED WITH IT. 

There is no message saying that the sender is not able to receive SMS communications thus it has been communicated multiple times that the messages and phone calls must stop as this is not my debt.
Product: Debt collection

The agency contacts me every other day in regards to my debt. This results in multiple calls a week. The agency always leaves a voicemail. I contacted the agency by phone and told them that I would contact them again once I had taken care of a death in the family, yet they continue to call every day since and it has only been a week and a half and I told them 3 weeks.
Product: Debt collection

I have sent 3 letters, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Cavalry Portfolio Service requesting they verify this debit. To date they have ignored my request and are still reporting this debit as collection on my credit reports. I did receive a letter when I made my first request, however, my request was completly ignored, in which I followed up with a second request and then a third. I have attached the letters I sent and the lame response that followed. Cavalry has refused to verify this debit and they have ignored my written requests to do so. Each month they report this on my credit reports they are in Violation of the Fair Credit Reporting Act by reporting inaccurate information and in Violation of the Fair Debt Collection Practices Act, continuing collection activity on a debt which has not been validated.
Product: Credit reporting or other personal consumer reports

My consumer report have updated with inaccurate data. I did not consent to any of this Please see the attached for complete arbitration details.