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

My Identity was compromise a year ago and more than 12 reporting agencies who was not authorize appeared on my credit report. I need supporting documentation including signature that I authorize to pull my credit.
Product: Credit card or prepaid card

I have already filed a complaint with Bank of America many times and Im looking for more help. I live in CA, I had my boa edd account drained of {$680.00} when I received my last edd deposit. Bank Of America closed my account and did not reimburse me for the money that was stolen even when they have XXXX liability. This fraud was to no fault of my own. I am a single 6 months pregnant woman on my own out of a job due to covid and I am getting no further information to my claim. Every time I call the bank or EDD they blame eachother. Bank of America says they sre waiting for EDD to send verification and EDD says theee is nothing wrong with my account. I have money in my Bank of America account and I am not able to access my account and EDD is still putting money into the account. I have been without money from this situation for over a month now.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following personal credit card accounts : XXXX XXXX - Personal loan Account # XXXX Date Opened : XX/XX/XXXX XXXX XXXX Personal Loan Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX - Personal Loan Account # : XXXX Date Opened : XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or the collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Legal action will now be taken as of XX/XX/XXXX Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, Transunion, and XXXX to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to XXXX, XXXX, and TransUnion. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off TransUnion, XXXX, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

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: Credit card or prepaid card

I had a Bloomingdale 's store card for several years. When my most recent bill came, it had suddenly become an American Express Bloomingdale 's card, which can be used in and outside the store. This is not something that I want or need. Furthermore, it was issued without my requesting it, and certainly without my permission.

When I called Bloomingdale 's to close the American Express card, I was told that I could only cancel the entire account. So that's what I did. 
I think it should be illegal to issue a major credit card in someone's name without their permission. 
Now I will have to go through the hassle of opening another store card.
Product: Payday loan, title loan, or personal loan

I have called CONNs to try to pay my bill and handle the situation twice now. The first time ( XXXX ) they sent me to XXXX XXXX XXXX. ( XXXX ) I spoke to the manager there by the name of XXXX XXXX ex. XXXX. She informed me that they have closed & canceled my account with them & sent it back to CONNs on XX/XX/2019. 
Today I tried calling CONNs again to pay my bill and they said its still in collections with XXXX XXXX and kept giving me the run around. So, I asked to speak to a manager. I spoke to a lady by the name of XXXX. I asked her if I could just pay it off, she wouldnt let me because its in a different department but even she is unsure what department that is because he records indicate that XXXX XXXX still has the account. Im not sure what to do from here. 
The lady said she would send it up to the off line department to find out where its at or who has the account. 

Conns account # XXXX
Product: Checking or savings account

I was paying multiple bills that needs to be paid, and once I check my account after I paid all my bills, I ended up be overcharged.
Product: Credit card

I AM the consumer, I applied for a pre-qualification consumer credit transaction via a phone call on XX/XX/2023, approx XXXX, with XXXX XXXX XXXX of XXXX. XXXX XXXX. Licensed XXXX XXXX. NMLS #. XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX.,. XXXX XXXX XXXX XXXX. And I received his name from a realtor XXXX XXXX at XXXX XXXX XXXX XXXX The lender stated he is the creditor after he looked at my credit report on his computer. He informed me that I must have above XXXX score to qualify for a home, and I am to have {$2000.00} in federal reserve notes in a bank account somewhere. I informed him I am an American with XXXX, nd I gave you my Social Security number. He then stated he refuses to help me and hung up the telephone interview. I am currently experiencing a housing emergency crisis. I sleep in the woods at night. This also has caused me considerable emotional distress knowing he is violating the Equal Credit Opportunity Act and the Consumer Credit Act and Securities Fraud, by denying my Right to my Credit and my access to my securities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry is reporting to my credit report even after I have identified it as fraud and identify theft. I have mailed an FTC report to the company and have received no response.
Product: Credit reporting or other personal consumer reports

I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of refinancing my VA loan with XXXX XXXX XXXX   which was in the closing process when a credit reporting company ( Credit Plus , Inc reported an incorrect payment record on my XXXX XXXX XXXX   home mortgage loan. This caused a crash in my FICO credit rating and my refinance application to be rejected. XXXX XXXX XXXX my current mortgage lender ALSO through a process of malfeasance reports my correct payment record on their web site BUT reported two ( 2 ) monthly payments 30 days late. to XXXX XXXX XXXX  AND all three credit reporting agencies, My account is CURRENT and paid up to date BUT both XXXX  XXXX and Credit Plus Inc intentionally misreported my actual payment record, causing 1 ) my refinance loan to be rejected and 2 ) my FICO credit rating to be REDUCED from XXXX to XXXX. These illegal reports of late payments have caused me great harm.
Product: Mortgage

Please explain, in detail as the reason account number, XXXX ( current Caliber account number ) was listed on " Notice Of Sale Of Ownership Of Mortgage Loan '', " date of ownership being transferred, XXXX XXXX, 2015 '', with servicer listed as XXXX XXXX XXXX. Why was I instructed to pay, account number XXXX, to XXXX XXXX XXXX, through XXXX 2015, when attached, .pdf documentation, clearly states, account number, XXXX? 

What date, did your company acquire my account? What date did your company start servicing my account? Does your company act as the servicer, and Master servicer? Please provide to me the name ( s ), mailing address, and actual on site address, of servicer, and Master servicer, please. 

Also, please provide details, as to whom ordered BPO, dated XXXX/XXXX/2015. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

several fraudulent accounts were opened in my name
Product: Credit card

My experience with Barclays which issues the XXXX XXXX XXXX card was really bad. The XXXX % ARP promotion that I initiated was not fulfilled yet the transfer was completed at the full interest rate and a 5 % fee. The reason given was that the check was used after the date specified. 

Barclays should have rejected the balance transfer since the check used to initiate the transfer specifically for a 0 % promotional offer and no where did it say that using the check after the specified date would automatically trigger a different interest. Barclays completed the balance transfer requested, took a {$750.00} ( 5 % ) transfer fee but started charging me 25.24 % APR on a balance of {$15000.00}. 

By the time I realized that Barclays was not fulfilling its obligation of 0 % APR for the initial period, I had already been charged and had paid a total of {$750.00} in on time fee and {$1400.00} in interest for a 4 month time frame on a {$15000.00} balance transfer. All this is in addition to a {$99.00} annual fee that I pay for this card. 

Eventually I was able to avail the offer from another bank to meet my temporary needs and pay off the balance in full. 

I would like all Fee and Interest refunded to my account.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED : Equifax Is Requesting OVER AND OVER to send sensitive personal information in US Mail I refuse to do this twice
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a complaint with the CFPB against XXXX XXXX XXXX, XXXX in regards to misuse of my credit report ( Complaint ID : XXXX - XXXX ). On XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/year> stating " we were unable to locate a credit file in our database with the identification information you provided '' On XX/XX/year> I called the CFPB and spoke with an agent who advised and confirmed that all identification information provided in the complaint is sent over to the recipient of the complaint. This identification information in the complaint includes my Full Name, Date of Birth, Social Security Number and my most recent and current address. XXXX 's reporting of negative information has caused immense mental and emotional distress as well as being denied credit, which has negatively and greatly impacted my life due to negative items such as late payments, collections etc, being reported by XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Money transfer, virtual currency, or money service

On XX/XX/18, I used XXXX  XXXX XXXX XXXX to send my mother money. The only option it gives you to send money to another person is to use XXXX. My mother could not activate and verify an account with XXXX. The day I transferred the money to my mother, she was had problems activating the account to accept the money. I called XXXX  XXXX XXXX and reported the issue. I was told by XXXX  XXXX XXXX if she is unable to accept the money the money would return in 14 business days. My mother never received the money I transferred. I never received the money back. I made several calls and filed several complaints with XXXX  XXXX XXXX. I tried reaching out to XXXX and they told me to call XXXX  XXXX XXXX. XXXX  XXXX XXXX reports that they reached out to Trustmark National Bank where the money was being sent and they refused to release the funds back. Even though the money never reached the recipient.
Product: Credit card or prepaid card

my cash app was closed all of a sudden with money in it and it said for violation of terms i did nothing but deposit money from my card to cash app and from cash app to my card i was given no real reason nobody could assist me with this situation i was told there was nothing they can do or no way i could speak with any one and i still have no answer or reason to y my account was closed i have been a customer for a long time and never had a problem i ordered a new card i paid for and was told i wont be able to use it and can't get a refund or a reason y my account is closed
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

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

I have been disputing this account for 6 months with XXXX XXXX, XXXX, XXXX and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}
Product: Vehicle loan or lease

Hello my car loan was under XXXX XXXX now I'm married my new last name is XXXX. I didn't call Wells Fargo because I just saw a article to contact you directly. 

I was charged a high interest rate and I was never refunded my XXXX insurance when I traded my vehicle.
Product: Mortgage

Mr. Cooper sold my loan to XXXX XX/XX/XXXX. At that time they owed me {$200.00} and I was told it was being mailed. I never received. Mr. Copper stopped taking my calls and told me the payments were to be made by XXXX. XXXX stated Mr. Cooper did not give them the money to give to me. 

XX/XX/XXXX Mr., Cooper acknowledge by phone they had not sent me the funds and that they also owe me an additional {$2100.00} and {$150.00}. 

I am not able to get a human on the line to follow up on the statement that these checks would be mailed. I have not received and their phone tree gives limited options none are to speak to a human or to follow up on complaints. 

I am locked out of seeing old documents therefore I can not provide the back up needed.
Product: Credit reporting or other personal consumer reports

My ssn was exposed during the national public data breach I demand all negative items to be removed all inaccuracies immediately. According to FCRA my personal information is suppose to be protected and it was not. 


15 USC XXXX XXXX ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office XXXX XXXX XXXX without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA, XXXX Employer - -- - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - -- - Incorrect XXXX : XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

Ask for old accounts to be removed from my credit report. There is an account going back to 2015
Product: Checking or savings account

First off, i opened an account with wells Fargo in 2011. Outside of the bank account, i had an incident like a civil law suit going on, so i had to relocate myself and my wife and children.I never closed my account or had any further contact with the bank, so i called a XXXX of years ago and someone told me on the phone that i never had an account.So by me living in another state, i kinda just leff it alone.
Product: Checking or savings account

I deposited a check for {$3400.00} at a Wells Fargo ATM in XXXX XXXX. The bank wrongly adjusted my deposit. On XX/XX/2023, I spoke with Wells Fargo 's ATM department. They said that they would review my deposit and the funds would be available the next day. That same day I made a second call to check the status. They said the bank accepted the deposit and that they re-deposited the fund to my account, that I should have the funds by the next day. On XXXX XXXX, I did not get the funds. I called the ATM department again. They said they were having technical difficulties and that the funds should be ready by XX/XX/2023. I called a second time that day to confirm that I would have access to the funds XX/XX/2023. They said most likely I would have access by the XXXX but worse case scenario I would have the funds on Tuesday, XX/XX/2023. I didn't get the funds XX/XX/XXXX. I called Wells Fargo 's costumer service and they did not tell me the reason why my funds do not show up on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The Greensky program settlement administrator is not following consent order file # XXXX. I was supposedly mailed a redress payment of over {$44000.00} but i did not receive it.

Greensky program settlement administrator has verified I was issued a check ( void after 90 days ) over a year ago, that it was not processed, and I am to receive a new check. That was established XX/XX/2023 and now as of XX/XX/2023 a check has still not been sent to me. I have been checking with the settlement administrator by email and phone and have been repeatedly told they are not " cutting '' new checks yet. 
It sure appears to me to be stall tactics. How long does it take to have a check cut? 
I have searched CFPB website and called several times but have been unable to find what department ensures consent orders are followed by the respondent. 
PLEASE HELP!!