23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I'm being harassed with calls everyday on my cell phone which I didn't give them consent to call. In addition, a rude person is calling when I advised the company that I'm experiencing some financial difficulties and I will make a payment when I'm able to. Due to the frequent calls I'm now experiencing XXXX and XXXX.
Product: Mortgage

I recently refinanced my mortgage. I was told at the closing that the mortgage payment would be higher because my insurance was being escrowed in. I informed the bank that I already have insurance which covers the property which has been prepaid and will last for the next 2 years. They said they would adjust this but have n't and whenever I call them I get an enormous run around. I 'm being charged at least $ 700 monthly for insurance that I already have. Please help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX account # XXXX, XXXX  account # XXXX according to I 15 USC 1692c you have violated my rights by unlawful communications please removed these closed accounts off my Consumer credit report thank you These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 CREDIT COLLECTION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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: Debt collection

Bank of America is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 
15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 
Bank of America has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Bank of America has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 
15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020, I had entered into 3-year lease agreement and set up automatic recurring payments until maturity. I then extended the lease for another 3 months, but due to a 2-month oversight/miscommunication, I assumed that the recurring payment would automatically continue post lease extension. The end of lease message on Mazdas financial services site clearly states that, if youve set up automatic payments, be sure to cancel them after youve made your final payment, contrary to action Mazda has taken to cancel automated payment at lease extension. Also, I have not been alerted via email of a late payment which I would normally receive. As a result, my payment history was flagged as a negative 60-day marker with TCNA and across all 3 credit bureaus, despite the fact that I had brought the account up to date after being alerted by XXXX of a 60-day late notice. It is worth noting that I have had a XXXX credit score and a solid payment track record with Mazda financial services prior to this event.
Product: Bank account or service

I have a line of credit with PHC Bank and on XXXX XXXX, i went on line and submitted a {$300.00} payment from my checking account to my XXXX line of credit. I made a mistake and submitted to an account ending in XXXX. I called the bank on XXXX XXXX and was told that yes they received the payment and it was posted to loan account XXXX and it would take XXXX working days to make the correction and redirect the payment to my visa line of credit. I have called several times and was told they could not find an account ending in XXXX. I called again today and after speaking to the credit department loan department and someone in customer service I was told that it would take 10 days for them to research, find the payment and credit to my lline of credit. I told them this would probably cause them to charge me additional late fee and interest on the payment. They indicated that since it was my fault by posting to the wrong account that if extra fees were charged that was my problem. I then stated that I sent the payment XXXX XXXX and the payment was not due until XXXX XXXX that even though it was posted to the wrong account why would it take so long to correct to the proper account which is the line of credit. I asked was it because they can not locate the XXXX account where they said it was posted. I feel that I am getting the run-around and they can not locate the {$300.00} payment now even though I was told that it was posted to XXXX and now they say they can not find an account ending in XXXX Need your help in resolving this issue. Thanks XXXX XXXX My desired resolution is for PNC to locate {$300.00} payment, post to my account and not charge additional interest or late fee as I did get the payment to them on time and they should be more careful in looking at account numbers they should have realized that loan number XXXX had been closed for years so why post a payment to this account.
Product: Prepaid card

On XX/XX/XXXX at XXXX I purchased a vanilla gift card and loaded XXXX. The purpose of the card was to let my son shop online to buy things. I tried to add card to his XXXX XXXX it said invalid card. I tried to check balance at the website it said invalid card. So I called customer service they said someone tried to hack my card so they locked it. They said we will mail you another card with the full amount on it and not to throw away a the original card I purchased. So today XX/XX/XXXX thr new card came in the mail. I tried to call number to activate they said it was an issue. I needed to speak to representative. I spoke to XXXX who could not explain to me why my card could not be activated he allegedly opened case the case number is XXXX. And he said I would be contacted via email in 5-7 business days I believe they are scammers and are stealing money from customers. I could barely understand them and I told them I believe they are scammers. How can a card the company mailed me not be able to be activated sounds like a scam and someone needs to look into vanilla gift card they are stealing money from customers and giving the run around about money. I have attached my original receipt. The card I purchased and loaded at the store and the card they mailed to me that didnt work
Product: Credit reporting, credit repair services, or other personal consumer reports

the account was closed and paid offXX/XX/2014 it has a XXXX balance  but it still showing and reporting on  credit report , I did dispute this and received a letter from the company showing I owed them a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft. 
unauthorized inquiries on report. 
in attached police report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been trying to get this issue resolved with Capital one, however they keep on reporting that I have a credit card with them with the balance of {$14000.00}. I have contacted them on multiple occasion advising this is not mine and I'm a victim of identity theft, however they are not doing anything. I have provided them with police report and still nothing has been happening. This has caused me loosing a job and not being able to find a new one. I really need help getting this removed from my credit, as this belongs to someone else. I have frozen my credit and there are several alerts on the report. Additionally there is another company that's keep showing up on my credit report XXXX XXXX, this is also not mine and I have contacted them on multiple occasion but nothing is being done. Also XXXX XXXX is not mine however it seems like they are not willing to address the fact that I am a victim of identity theft. 

thank you
Product: Checking or savings account

RE : Regions Bank - Dispute Denied Fraud Claim # XXXX Acct Ending in XXXX NOTE : I HAND DELIVERED TO REGIONS BANK THE ATTACHED LETTER WITH ALL THE DOCUMENTATION ON XX/XX/2022. REGIONS HAS REOPENED THE CLAIM - TICKET # XXXX AND COMPLAINT TICKET # XXXX. WAITING FOR RESPONSE. 

THE FOLLOWING ARE THE DETAILS REGARDING THE CLAIM : I received a letter ( see attached ) from Regions on XX/XX/2022 denying the refund of the following unauthorized charges to my account. 

XX/XX/2022 XXXX XXXX, XXXX WA {$200.00} XX/XX/2022 XXXX, XXXX, OH {$450.00} XX/XX/2022 XXXX, XXXX, OH {$400.00} XX/XX/2022 XXXX XXXX, XXXX, WA {$64.00} Please note that the unauthorized charges to my account were notified to Regions by phone on XX/XX/2022. As per my discussion with the fraud department I did not lose my debit card or PIN and I live by myself, so it is obvious that my debit card has been cloned and used without my knowledge, since it would be impossible for me to be in different cities and states at the same time I was in XXXX XXXX, Louisiana, in which I reside. 

I have also included the following receipts showing that I was in my home town when these unauthorized transactions/charges were made. 

XX/XX/2022 XXXX, XXXX XXXX, LA {$9.00} XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX {$16.00} That should have been a red flag for the Regions Fraud Dept. to have shut the debit card down immediately. 
Please note that I hand delivered the attached letter to Regions disputing the denial letter on Tues, XX/XX/2022 to XXXX XXXX XXXX XXXX XXXX at the XXXX  XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, and I delivered a copy to the XXXX XXXX Police Department on Tues, XX/XX/2022 to Officer # XXXX ( filing a police report ). 

I am hopeful that Regions will reconsider the denial and will do the right thing and reimburse me the monies for these unauthorized charges. 

Thanks for your help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a job loss and I still kept sending money that was being applied to the wrong account. Finally they repossessed the car, I paid the balance of {$600.00} to get the car back. 

Then they made a payment arrangement with me after correcting their mistake. They gave me the same account number I had for years and they were not applying my payments to that account, because supposedly it was not my account. They found the money that they were not applying, because my bank had to get involved to clarify the discrepancy that they caused. 

They then made a payment arrangement but have been reporting my payments late and refuse to correct their mistake. 

Please I need your help because this has severely impacted my credit history and score.
Product: Credit reporting or other personal consumer reports

XXXXL XXXX, is in violation of multiple laws set forth by Congress in regards to my account. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged off status ), between the consumer ( myself ) and the person ( XXXX  XXXX ) making the report. 

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. 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 reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXXXXXX for the cancelled debt of {$9800.00} in order to file as ordinary income. 

XXXX XXXX is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! 

XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

On XXXX I was charged two over draft fees. On XXXX I had a positive balance. On XXXX I had No transactions and deposited {$2000.00}. I also got a {$74.00} over draft fee. When I found out on XX/XX/11 I called customer service twice. First after a 50 minute hold. I spoke to an agent for 10 minutes then put me back on hold then was disconnected. Called back and after a 40 minute hold got help for about 30 minutes. She couldnt figure out how to help me before I had to drop. She said she created a ticket and someone would call me today. I confirmed the phone number and disconnected the call. Still have yet to hear back from someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all items over 180 days as per law
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX  account that went to collections XXXX of 2018. It was removed than reported as recent which is not true. This is hurting my score a lot
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXXXXXX XXXX  account number XXXX and XXXXXXXX XXXX account number XXXX have violated my rights. 

The information displayed in my credit report is inaccurate, therefore it must be deleted per the FCRA.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

*Please note that the bureaus did not reply to my dispute letter.
Product: Credit reporting

XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX and u can call me at XXXX anytime or day .please can someone fixed my report because it 's all all mine at all someone store my social security card as my kids too.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 an unauthorized inquiry was submitted without my knowledge. I'm requesting to remove this hard inquiry from my report.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address
Product: Credit reporting, credit repair services, or other personal consumer reports

BRIDGE CREST is not under any LAW required to report any of my private consumer transactional information. BRIDGE CREST HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed BRIDGE CREST on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that BRIDGE CREST CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given XXXX days to comply and perform their fiduciary duties accordingly. As of today XX/XX/23 BRIDGE CREST has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. BRIDGE CREST appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. BRIDGE CREST is in willful noncompliance!
Product: Debt collection

On XX/XX/2022, at XXXX XXXX, I was contacted by a XXXX who did not identify himself, from what I later discovered was Advanced Portfolio Group located in XXXXXXXX XXXX XXXX XXXX This XXXX disguised his number by using XXXX, a number with an area code belonging to the XXXX  XXXX XXXX along all with government offices and departments of the state, to call my phone. He demanded I return his call at XXXX about a 'location report ' being conducted at my address, demanding that I verify my physical location. The voicemail he left has been saved by me as evidence. Advanced Portfolio Group is deliberately misrepresenting themselves and using false or deceptive tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - CBNA : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert today from Transunion that XXXX XXXX XXXX XXXX reported that I was 30 days late on a car payment back in XXXX of 2022 and this is a blatant lie. Our car was stolen in XXXX, Police Report Filed and the car was recovered but deemed a total loss. Even when I did not have the car I still made my payments and have proof through my bank that we did. Our insurance company settled the account as a total loss and paid XXXX XXXX in full and they even reported that as being paid closed and then they report us as late which is not true. This impacted my credit score for something that never happened. I called and got in touch with the Executive Offices at XXXX XXXX and recorded my call and the guy I spoke with on the recorded line even verified that we were never late on our car payment. XXXX XXXX is notorious for doing cheap, crooked stuff like this. They feel that they can just do what they want to do even if it hurts others which is why I will never do business with them again. They need to be investigated and fined for doing this illegal stuff. WE WERE NEVER LATE on our car payment.
Product: Credit reporting or other personal consumer reports

THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX