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

IDENTITY THEFT REPORT ATTACHED! ATTEND TO THIS MATTER IMMEDIATELY! 

The listed companies have access to very sensitive personal information without permissible use or written authorization from me, the consumer. I have no account attached to these inquiries nor did I secure a business relationship with any of the following companies. They are misleadingly and inaccurately reporting to my credit report and are damaging my financial reputation. 

Cease and Desist further reporting of the following hard inquiries. Remove these inquiries from my credit profile immediately as it is causing personal and financial injury to my reputation and livelihood. 

IMMEDIATELY CEASE REPORTING OF THESE INACCURATE HARD INQUIRIES TO ALL THIRD PARTIES INCLUDING ALL CREDIT REPORTING AGENCIES!! 


DO NOT SHARE MY PERSONAL INFORMATION WITH THESE COMPANIES! IMPERMISSIBLE PURPOSE! 

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
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 My father-in-law sent me a payment of {$1000.00} which he did on the Venmo app he asked me to create an account and so I did. I received the payment on Venmo from my father-in-law and the following day on XX/XX/2023 I was notified by Venmo that my account was temporarily frozen due to suspicious activity until I could provide some Identification which I immediately did. A few days later I was notified by Venmo that my account was permanently closed and that my funds will be held for 180 days. This is a deceptive practice they are conducting because I'm not the only XXXX whom this has happened to it is very common with Venmo. I want my money back immediately, they have stolen it under the guise of " violating user agreement terms '' which I did not.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Signed a lease on XX/XX/2023 on a XXXX with the XXXX of XXXX, NJ via Ally Bank. Section 6c showed no amount to be paid in cash, but I was charged a cash monthly payment anyway. According the least, the full amount due at signing, including the first monthly payment, was to be covered by " Rebates and noncash credits ''. The cash payment I made was not counted toward anything. I bought out the vehicle shortly before the end of the first monthly period, trying unsuccessfully to get Ally or XXXX to correct the contract by that point, making several calls to both parties. Ally claims any errors in the lease would be checked and corrected during the buyout process. The buyout price did not reflect my cash payment having been made. The dealer claims Ally took the monthly payment. Ally will not provide any response at all other than that they can not give a refund.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, I reached out to Equifax by phone informing them of a fraudulent inquiry on my credit report. Equifax informed me that I needed to reach out to the company reporting the information in order to have it removed. I notified XXXX XXXX of the fraudulent inquiry listed on my credit report and this resulted in a investigation. After the finding that this was a fraudulent inquiry, they notified me by mail that the inquiry would be removed. This letter was sent to me over 30 days ago and the inquiry has still not been removed from my report.
Product: Credit reporting or other personal consumer reports

I had a charge on my account that was not in my approval or awareness. I found this out some time in XX/XX/2023. This charge came from an auto subscription online I wasn't aware of. I called Comenity Bank to take care of it right away since it was just a small amount and paid for it right away. They posted it on my account even though it was clearly a misunderstanding and a charge that wasn't supposed to be there. Somebody must have accessed my account online without my knowledge. This should have been deleted on my record since I don't use the card any longer.
Product: Credit reporting or other personal consumer reports

Please remove the internal block on my credit report that is hindering me from retrieving my score
Product: Debt or credit management

XX/XX/XXXX : Contacted American Consumer Credit Counseling to inquire about debt consolidation. 
XX/XX/XXXX : Approved by ACCC for debt/credit card consolidation program. 
XX/XX/XXXX : Signed agreement stating XXXX XXXX agrees to have automatic payments ( autopay ) by ACCC of {$840.00} from our personal checking account on the first of the month starting XX/XX/XXXX. XXXX also was told to cancel all credit card accounts, which he did. ( XXXX companies ). 
XX/XX/XXXX : No payment ( {$840.00} ) was deducted from our XXXX account per account set up. 
XX/XX/XXXX : Called ACCC to discuss why no withdrawal was done on the first. They stated that they needed to " set it up ( autopay ) on their end ''. XXXX authorized the payment of {$840.00} on the first of the month ( again ) and the initial {$25.00} set up fee. 
XX/XX/XXXX : Tried to make a manual payment online ( since no autopayment to ACCC of {$840.00} was made in XXXX ). Online account wouldn't allow us to make a payment manually because " We are currently enrolled in autopay ''. 
XX/XX/XXXX : No autopay deduction by ACCC from our personal account to cover the {$840.00} payments to our credit card companies. 
XX/XX/XXXX : Called ACCC ( main office in XXXX  ) to find our why we were getting letters and phone calls from these ( now ) closed credit card companies about XXXX missing payments. ( XXXX and XXXX ). They stated they had still not set up autopay and that they needed to do that. We asked to speak to a supervisor. None available. No one has called us back. 
XXXX 's credit score is being compromised by XXXX XXXX late payments that ACCC was supposed to be making after they deducted the agreed $ XXXX autopay amount.. which never happened. 
The main concern is that XXXX was not able to manually make a payment to ACCC ( both online or over the phone ).
Product: Credit card or prepaid card

I lost my card and reported a fraudulent transaction in XX/XX/XXXX. I requested a new card then and am yet to receive it! There is money on my account but I can't access it because I don't have a card. I can't even login to the website to request a transfer to another bank because my online account is inactive due to a " problem with my card. '' Ever since I first called to report the card lost or stolen ( and supposedly was sent a new card - they verified my address and everything ), whenever I call I just go around in circles because it asks for my card number ( which I don't have ). I also filed a complaint with the BBB and they called me in response to that, but they called from a blocked number, so I didn't answer. And the voicemail they left just told me to call the number on the back of my card - but I don't have a card to look at the number of!! And so I called the general number I was able to find online but after going around in circles due to not having a card number, I reached someone a couple different times and either got hung up on or disconnected. The next several times I tried to call, it said my wait time would be upwards of 30 minutes, I could only wait about 15 due to already wasting time on the needless phone tree.
Product: Vehicle loan or lease

On XX/XX/year>, I applied for an auto loan with Navy Federal Credit Union and was subsequently denied due to credit reasons. I have been a long-time account holder with Navy Federal and have significant funds invested in the institution. 

Securing this loan is critical for me, as I rely on personal transportation to commute to work. Currently, I am using XXXX, which has proven to be excessively expensive and unsustainable in the long term. Given my long-standing relationship with Navy Federal and my financial stability within the institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC debt collectors reported to the credit bureau 4 times in 1 month about a debt that I was unaware of, thus bringing my score down about 40 points. I just looked at my credit score through my credit card and saw this on my derogatory points. Not sure how to go about dealing with this. Please advise.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( XXXX XXXX XXXX XXXX, I presumit that no proof of the allegra debt, nor therefore any XXXX such debt, in fact therefore exists.
Product: Vehicle loan or lease

I would like Credit Acceptance to provide a document from XXXX XXXX XXXX that confirms the sale amount of a car that was repossessed on an account with my name listed on it. This is needed to ensure the balance on the account is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, WAS NEVER AUTHORIZED XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, BOTH WERE NEVER AUTHORIZED XXXX XXXX XXXX XX/XX/XXXX, was never authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern regarding the inaction and non-compliance of the credit reporting agencies in rectifying inaccurate information on my credit report. I have diligently followed the proper procedures and submitted requests for the removal of erroneous data, specifically regarding jobs, addresses, birthdays, and names. However, despite the considerable time that has passed, these agencies have failed to update my credit report accordingly, violating the guidelines set forth by your organization. 

To provide you with a detailed account of the situation, I have outlined the necessary information below : Date of Initial Request : XX/XX/2023 Description of Inaccurate Information : The inaccurate information on my credit report includes incorrect jobs, addresses, birthdays, and names. These inaccuracies have had a negative impact on my creditworthiness and financial standing. 
Actions Taken by Me : I have repeatedly contacted the credit reporting agencies, both in writing and by phone, to request the removal of these inaccuracies. I have followed the established procedures, provided all necessary supporting documentation, and clearly outlined the specific items that need correction. 
Actions Taken by the Companies : Despite my continuous efforts, the credit reporting agencies have failed to update my credit report within the legally mandated timeframes. They have not addressed the inaccuracies or taken any steps to rectify the situation, causing prolonged damage to my creditworthiness. 
I would like to reiterate that the credit reporting agencies ' disregard for rectifying the inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ). This act clearly outlines the responsibilities of credit reporting agencies to investigate and correct inaccuracies promptly. 

Considering the gravity of this matter, I kindly request your immediate intervention in ensuring that the credit reporting agencies comply with their obligations under the FCRA. I implore you to investigate this issue thoroughly and take appropriate actions against the agencies that have neglected their duty to maintain accurate and up-to-date credit reports. 

I appreciate your attention to this matter and look forward to a swift resolution. Should you require any additional information or supporting documents, please do not hesitate to contact me
Product: Credit reporting or other personal consumer reports

I am not the owner of these inquiries, and I am not connected to any of the creditors listed. I need their removal from my credit report immediately.
Product: Debt collection

oN XX/XX/2022 i had time to take the call from accounts management after numerous calls all day everyday.. They told me that I had a debt that was XXXX, told them that I never received any documentation stating that I had one nor have I had the chance to validate. The told me they sent the paperwork whether I got it or not is not their problem. That if i dint not agree to pay that they would have the police come to my job and arrest me. So afraid to lose job, i agreed to make vluntary of {$100.00} every payday, but I still wanted a chance to validate this debt. I have yet to receive these documents and it a year later. So i stopped the vountary garnishment got a hold of them finally and told them that I would no tpay anymore until I receive the documents I asked for so i know what I am paying and that it is my debt. When I told the that they threatened to sue me
Product: Debt collection

I received an account notification from XXXX XXXX and XXXX stating I had a new account in collections. I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Account Reporting - Jefferson Capital LLC, XXXXXXXX XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute an inaccurate account reported by XXXX XXXX XXXX in the amount of {$750.00}. I have never opened or authorized any account with this company, and under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ), I am entitled to accurate reporting of my credit history. Please investigate this matter and remove this erroneous entry in accordance with the case law set forth in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX
Product: Checking or savings account

I paid mint mobile on XX/XX/2021 for {$780.00} total for two mobile lines of service. On XX/XX/2021 XXXX XXXX claims they refunded my debit card ending in XXXX without my approval. They refunded it to the original form of payment. This debit card and checking account were closed on XX/XX/2021 due to our family relocating and the bank not having local branches. XXXX XXXX did not provide any receipts or invoices regarding the refund. They said I need to talk to my bank but BBVA USA says they have no record of any refund transaction even when I provide a transaction ID submitted by Mint. I feel my money is lost and they are requesting I pre pay for another year of service. I contacted my bank BBVA USS and they said they have no record of any refund. XXXX XXXX provided these tracking numbers. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to BANK OF AMERICA for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to CALIBER HOME LOANS for still allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Debt collection

THis is a TRIPLE AAA FALSE FRAUDULENT CONTRACT for the VERY SIMPLE FACTS that MY XXXX XXXX WAS DESTROYED WHILE PARKED ON A XXXX XXXX @ XXXX XXXX XXXX XXXX CA. XXXX BEGINNING OF XX/XX/2021 XXXX XXXX XXXX POLICY WAS PRE -PAID FOR XXXX  MONTHS UP TO XX/XX/2021 I NEVER RECEIVED THE REIMBURSEMENT FOR XXXX  MONTHS OF THE PRE PAID CAR INSURANCE XXXX XXXX  STILL OWED I STILL HAVEN'T RECEIVED THE RENT REIMBURSEMENT FROM XX/XX/2021 FOR {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR THE DEDUCTIBLE THAT XXXX XXXX XXXX FROM THE CAR OWNER INSURANCE POLICE L.A.P.D WAS CALLED AND POLICE THE L.A.P.D OFFICERS WROTE EVERYTHING BECAUSE MY CAR GOT DESTROYED WHILE PARKED. THE PHOTOS OF MY DESTROYED CAR ARE AT THE XXXX XXXX AND I EVEN HIGHERED ATTORNEY MOMBASSER TO DEAL WITH XXXX XXXX SHENANIGANS BECAUSE THEY WERE TRYING TO PAY FOR A RIDICOULOUS AMOUNT OF MONEYS. THESE ARE TRUE FACTS AND I HAVE ALL RECORDS AND PHOTOS TO PROVED THAT THIS IS A FRAUD AND I'M APPALLED THAT XXXX XXXX HAVE THE AUDACITY TO TRYING A {$250.00} SCAM THE CONTRACT PROVIDED BY AWA COLLECTION AND XXXX XXXX PRESENTED A FALSE AUTO COVERAGE CONTRACT BECAUSE I HAD NOT CAR OR XXXX XXXX  INSURANCE SINCE THE DEVASTATING ACCIDENT IN XX/XX/2021 MY INSURANCE END IT AND XXXX XXXX OWED ME MONEY 'S AND IS TIME TO PAY ME AFTER XXXX  YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Student loan

I would like XXXX or Mohela to add my payment counts to my loan for XXXX. 

The months from XX/XX/XXXX to XX/XX/XXXX I paid XXXX XXXX payments that are not recorded on my payment count towards XXXX. 

XXXX did send me documentation of payments made during this time frame. Mohela and XXXX have documentation also but refuse to add these counts to my total payment count.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several complaints against the bureau has previously contacted you on your fax machines are non-functioning including your owbudsman. All bureaus listed have had refused all requests with auto responses for the past 10 years I am currently being extorted due to my credit due to the way the bureau 's have mistreated me and a lot of other companies to extort me over Dad 's I'm not legally obligated to pay or not in full dispute because they refuse to do what is right by the consumer and what is legal.
Product: Checking or savings account

I received an email from XXXX XXXX stating they were charging me {$730.00} for my membership. I called the number indicated on the email to inquire about this letter. They informed me that this was a mistake, and they would credit my checking account. I had a XXXX XXXX account in the past due to company doing a background check on me for a XXXX XXXX XXXX. The company was hacked, and we were giving XXXX XXXX to protect our information. 

I trusted the company, so I allowed them access to my checking account. The people from XXXX XXXX then withdrew {$29000.00} from my account. I immediately hung up the phone and contacted Bank of America 's Fraud Dept. BOA took my information and started the investigation. I was instructed by BOA to sign into XXXX and complete a complaint form. The next day, a detective from the XXXX XXXX police department contacted me and took my information. 

For over 60 days, I contacted BOA Fraud Dept once a week. I never spoke to a supervisor. I spoke to customer service rep every time I called. I was always told they are still investigating my claim and they had a lot of other claims they were working on. 

Finally, after 65 plus days, a customer service rep informs me that BOA Fraud Dept can't get the money back and they claim was closed. They were contacted within an hour of the event and should have been able to stop the fraud. In the past week, my debit card has had someone trying to make charges to it 5 times. This is after BOA issued me a new card. I no longer feel my money is safe at Bank of America.
Product: Mortgage

My existing home loan was aquired by Mr. Cooper, without my knowledge, which i understand happens all the time. That is not the issue. The issue started a few months later when i get a letter from them with the new amount. They increased my monthly payment by nearly {$200.00}, stating it was due to an escrow shortage, which can't be because it was always paid on time, set up on auto payments. 
XX/XX/XXXX i call them and chat with them ( 2 different agents ). I ask to opt out of the escrow account, as i wish to pay it myself once a year, and not have to deal with surprise charges each month. They initially said i can not, which on my original contract with the previous loan originator, said that i could if i wished to. Then they tried to tell me that if i can not afford the new payment, i need to refinance. i have 14 years left on a 2.5 APR. I DO NOT want to be forced into refinancing, for 30 years at a much higher interest rate.Anyway, after a couple long calls that day, they said im all set and it should reflect on my account soo. LIES! 
A month later i open up the chat with them again, only to be told that there are no records of me calling or requesting to be opted out of the escrow. MORE LIES! I have downloaded the chat transcript, how can there be no records of it when i have the chat from XX/XX/XXXX? 
Yesterday, XX/XX/2022, i try to contact them through chat again. They said the process has not started and that is set to start on the XXXX, of XXXX, BUT ... ..it will take up to 30 business days to go into effect. Say What??? never heard of 30 business days. I ask her, are you sure? that's like 6 weeks. She said yes. I then asked her to show me their policies and procedures, or whatever they use for guidance ... .she then apologized, saying that she meant 30 regular days ... lies again! 
All i am trying to do is take care of my taxes and insurance on my own, i can not afford to pay XXXX extra a month on bogus charges honestly, and they are making it impossible. Why are they still in business with all these complaints?
Product: Credit reporting or other personal consumer reports

My home is in a FEMA disaster zone from Hurricane Helene. I am in forbearance due to the hardship. XXXX  took my account off forbearance, reported my account delinquent, then sold my debt to XXXX XXXX.