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

Complaint XXXX XXXX XXXX and Bridgecrest are making false claims, they 're giving false information. 
First of all, in the past 16 months, I have called and spoke with XXXX directly and they have never mentioned to me anything about my account having a fraud dispute and is being blocked, never not one, that 's false information given by XXXX XXXX and Bridgecrest, I just received a copy of my credit report from XXXX a XXXX 2017. " XXXX XXXX and other phone representatives of Bridgecrest admitted over our phone conversation that that they never called XXXX because there 's a block on my XXXX account, that 's the primary reason they ca n't report my financial data history. Well answer this question, if Bridgecrest never reported my information to XXXX because of a blocked file do to a fraud dispute, how did Bridgecrest get on my XXXX credit report, not only that, why would the XXXX phone representative mention to me that Bridgecrest just called this month ( XXXX XXXX to update my file. I spell a rat. Second, XXXX and XXXX never advise me to need to contact the credit bureaus directly and request to speak with a member of their management to resolve the split credit file, if that was true, the times that called XXXX and XXXX in last 16 months, they would have mentioned to me about a split credit file. I have gotten two credit reports from both XXXX and XXXX, disputed inaccurate information on my credit report with XXXX with CFPB XXXX Consumer Financial Protection Bureau XXXX " check your computer system, it 's there '' they have never told me anything about a split credit file. Do n't you think the times that I called XXXX and XXXX that a phone representative would have recognized that I had a split credit file and put a manager on the phone to fix the problem by now. Think about it? One of the phone representative from XXXX told me over the phone that she do n't know what a spit is and that she never heard of such a thing. 
XXXX XXXX XXXX has been in a irrevocable trust " XXXX XXXX XXXX, TIN # XXXX '', a pure common law trust, a unincorporated business trust since XXXX XXXX, XXXX, the day XXXX entered into there Interest Retail Installment contract.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I just started to find out that someone stole my identity. Starting in XXXX of XXXX I started getting alerts from zelle for my other 2 accts. At XXXX and XXXX. I never used zelle before but when I asked the banks they wouldn't give me any information. So I never received the funds or any information on where they came from. I notified the treasury about this suspicious behavior and never heard back. I also notified agencies about ph hacked redirects on calls n emails. I have new contact info. I think I had some trust acct/inherited monies but I don't know how to tell. I want to complain about never being contacted, or told anything when I asked. Zelle doesn't even have have a site to see past transactions. I check online with chexsystems 2c what bank they had in my name and wasn't seeing anything I understand. So currently I'm looking for bank history on wire transfers that were for me thru XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX  XXXX. I had other account back in XXXX that I thought closed but maybe they didn't close. They are XXXX XXXX, XXXX  XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX. 
My old info that was stolen was ph # XXXX XXXX XXXX, old last name was XXXX, XXXX, XXXX. The 1st 2 were by marriage but XXXX was my maiden name and the name I use today since XXXX. The last 4 of my ss # XXXX. Currently on ssdi since XXXX n have been without a XXXX  since XXXX when I filed bankruptcy in XXXX. Which I just found out was dismissed but never notified. I need information and help. I think my accounts have been tampered with, even ones I didn't know about. My life is getting more difficult and now my checking account are XXXX is sealed under confidential and I can't see it or pay my Bill 's. I'm headed back to XXXX  with in the next week to try n see what's going on and get my money out. Please contact me with any questions or if more info is needed. I also want to include XXXX, XXXX XXXX and any other company that handles financial transactions. Included XXXX  XXXX XXXX XXXX and XXXX  XXXX. 
I need to get a history of transfers, complain about not getting help at my current banks and where I can get the financial history information so I can see what's going on since my divorce in XXXX. 
My current info is XXXX XXXX XXXX XXXX XXXX. 
XXXX or XXXX *I 'm also going to contact the department of real estate because I think I should find out what happened to my home in XXXX XXXX ca. XXXX or XXXX which is why I found out my identity was taken. Even my car ( XXXX  XXXX  ) or any claimed property thru unclaimed or echeated accts. 

Thank you
Product: Money transfer, virtual currency, or money service

The whole series of events transpired when we signed up to training with a company ( XXXX XXXX ) who subsequently been taken over by FTC for in appropriate operation of the business and we were mislead by XXXX when we signed up and made the necessary payments in to thinking we could get what was promised to use, which was a business model that was taught, mentored and created for us providing we paid for it. 

Unfortunately XXXX had lawsuit filed against it by the FTC and was taken over and shut down of all its assets and operations ( Please visit website following this link ) - XXXX XXXX XXXX We paid the following amount for each course : Home Business Summit ( XXXX XX/XX/XXXX XXXX {$490.00} By Debit Card XXXX XX/XX/XXXX ( By International Bank Transfer ) TIT/PLA Combo -  {$26000.00} The Home Business Summit XXXX - {$490.00} Inner Circle - Diamond Annual XXXX {$2300.00} Diamond Mastermind - {$30000.00} Sub Total - {$59000.00} XXXX XX/XX/XXXX ( By International Bank Transfer ) Accelerator Mentorship - {$24000.00} XXXX XX/XX/XXXX ( By International Bank Transfer ) Outstanding amount : Accelerator Mentorship 1 {$480.00} Total {$85000.00} We have asked FTC to ask XXXX XXXX to reimburse us and we have not had a response from any party involved with or associated with FTC or XXXX XXXX Our bank where we conducted the payment of funds via card and bank transfers say that they are not responsible with this there for can not accept out claim or follow it through. 

Our Contact details are : Mr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

BANK OF AMERICA ATM SERVICE IS POOR. THE ATM ID - XXXX LOCATED NEAR FORMER XXXX XXXX XXXX ( XXXX XXXX XXXX ) IS ALWAYS OUT OF SERVCE. I WENT TO MAKE A CHECK DEPOSIT AND GET CASH FOR THE LABOR DAY WEEKEND AND THE ATM WAS EXPERIENCING PROBLEMS. THE ATM REJECTED MY CHECK DEPOSIT AND HAVING ISSUEING CASH WITHDRAWALS.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/year>
Product: Debt collection

XX/XX/year>2021 a collections account appeared on my account under credit collection service ( XXXX XXXX ). I have tried disputed this account multiple times! I have asked for payment history on the account and I have received nothing back! This account is not mine and I would like it removed.
Product: Checking or savings account

I have been with XXXX XXXX since XX/XX/year>. I have never experienced delays in posted payments in my life. I do have the OOPS overdraft feature activated on my account. A lot of times there would be instances to where i pay for something ( i actively have that amount in my account ) but it doesnt withdraw immediately. It will take days to withdraw and then i look and my payment has declined or i am charged plus that {$20.00} overdraft fee. Another example is recently i went to the store, spent around {$40.00} and my account stated i had {$190.00} and some change. Woke up the next morning my account is- {$210.00}. Im thinking okay if my credit card bill was {$260.00}, i paid it XXXX XXXX even doing the calculations it should have been- {$81.00} not - {$210.00}. Then i looked deeper and saw that 3 other chargers were posted to my account that same night.. but i thought those were already processed according to the emails i received for said charges from those specific companies. I just dont understand how theyre supposed to be doing better with protecting their customers with overdraft fees and all but clearly theres still a problem. 
Since writing this i checked my account so i can add my account number, my account is now - {$240.00} and some change. I have not used my card today. Charges are being posted late. This is ridiculous
Product: Credit reporting or other personal consumer reports

Please refer to the attachments pertaining to the equifax data breach
Product: Credit reporting or other personal consumer reports

I have inquiries on my transunion report. 


Inquiries 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: Debt collection

Prior to receiving Earning Withholding Order ( Wage Garnishment ) from this law firm, attorney for : CAVALRY SPV 1, LLC also showed as plaintiff sent a letter to my office where I am a XXXX. As a result of this, my office contacted me to response to this matters. Since I have no knowledge to this issue nor who the originator / party involved. I am hereby request for your assistance as I strongly felt this is a false claim and possibly identity debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted an identity theft report asking the credit reporting agencies to block and remove fraudulent accounts from my credit credit file. On XX/XX/XXXX, the credit reporting agencies responded claiming that the creditors certified that the information was true and accurate, there was no change as a result. On approximately XX/XX/XXXX, I made a second attempt requesting that the credit reporting agencies to provide me with the method of verification that they used to conduct the original verification required by law. On XX/XX/XXXX I received notification that instead they did a reinvestigation of the inaccurate accounts, claiming that the creditors certified again that the information was true and accurate, and there was still no change as a result. At this point it is very evident that the credit reporting agencies has violated my rights according to 15 USC 1681o ( a ). I also provided them with proof that the item was deleted and not reporting on my credit report with XXXX which also makes them in violation pursuant to 15 USC 1681n for Wilful Non Compliance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite submitting evidence, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any proof of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681XXXX, which requires a reasonable investigation of disputes. Additionally, XXXX actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as referenced in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of a proper investigation. 

The following accounts are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was completely paid IN FULL to XXXX, I don't have an account with this company! I tried reaching out multiple times! this is closed, I don't have an account nor do I owe any funds.
Product: Mortgage

My loan payments made to Mr. Cooper formerly Nationstar have not been applied correctly therefore incurring overdue loan payments. My loan was placed in the pandemic relief program in XXXX of 2020. I have made all of my payments for the months since then but several have been past the grace period. All payments have been made and my account should be current but Mr. Cooper has applied several payments toward principal without my authorization, therefore making me past due on 2 payments. This was done without me authorizing and appears that Mr. Cooper is taking advantage of the pandemic relief in order to misapply my payments to force me in to default. I have called several times and spoke to XXXX and XXXX about this but they seem to want to only talk circles around the issue instead of addressing it.
Product: Checking or savings account

Ive noticed someone finally filed a lawsuit with Wells Fargo over their overdraft fees. I doubt they will contact me as after having numerous months of them doing this to me, I changed my bank. But, what they would do is hold up certain charges or hold up a deposit ( that they had showed already hit ) until days later to ensure Id rack up numerous overdraft charges. Id make calls to get it corrected and every once in a while theyd waive one but Id still have to pay 2-3 or some months even more in overdraft fees. So like I said, losing that much money each month because they would move around dates of when things hit to ensure Id over draft made me finally close the account and bank elsewhere. Id love to have even a fraction back of the overdraft fees wrongly charged. I cant even log into my account now to pull up the records, so Im sure theyll get away with not paying me.
Product: Checking or savings account

XX/XX/year> Atm ate money and never deported to bank account {$960.00} Bank return XXXX XXXX Time was XXXX Wells Fargo XXXX XXXX XXXX When deported ATM ate money a case was open by bank but was denied and lost There was a Camara near we're i was I'm sure the XXXX has the proves when the ATM started making weird noises and very loud eating money up and acting strage
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX an x boyfriend has stolen my identity and has used my identity for illegal gain. I have lost my home ... lost my job and suffered several Financial losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$4500.00} ; XXXX  XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2000.00}.
Product: Debt collection

My XXXX sisters and a cousin has complained to me stating that they 're being contacted several times a day on a daily basis in terms of having been listed as a reference. They 've also revealed to them the nature of the call and where they 're calling from. I know for a fact that they can only leave their name and number and they 're not even suppose to call my references if I have a working phone number myself.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I applied for the mortgage modification/forbearance program with my mortgage servicer, XXXX Mortgage XXXX I was approved and accepted and received an extension through XX/XX/2023 and was instructed not to make payments until then. I was approved and the company even played back a recorded call to confirm that that is what I was told ( see attached ) On my Credit Report, all XXXX major credit bureaus have derogatory information showing that I missed/non payment for my Mortgage with XXXX for XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 Please remove the non payment for those months as I was in a modification/forbearance program and was approved and told by my mortgage company not to make payments during that time. 

I have attached supporting documentation of the mortgage company confirming that a XXXX representative told me to do so and the modification document saying when my first payment will be due. 

This is a bad practice and predatory for the bank to tell me that my credit would not be impacted because I was going through hardship and in forbearance but instead did the opposite.
Product: Credit card

i have a credit card with capital one and when i called in i was told that my credit line went up to XXXX and it only went up to XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2200.00} Status Open. {$80.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
The Fair Credit Reporting Act ( FCRA ), section 605B states that the credit bureaus are required to block any and all information from appearing on your credit report that is a result of identity theft or fraud.
Product: Debt collection

AS OF TODAY. I LOOKED AT MY CREDIT REPORT AND SAW that a company that I don't know trying to collect a debt that I know nothing about it says that I owe {$1100.00} to a company called XXXX  XXXX XXXX. I have no ida who XXXX XXXX XXXX is. its not my loan. I have never been contacted by these company 's by mail or by phone or in person. I don't know who they are. they don't show an account number or any other information.
Product: Debt collection

I paid the XXXX XXXX for a payday loan they said they I owed. XXXX months later they keep calling me along with Midwest Recovery Systems for the same loan.Neither company can tell me who the loan was originally through or provide proof that the loan is mine. I do not recall ever having a payday loan with the company listed on my credit via Midwest Recovery ( XXXX XXXX ). 

I have already paid XXXX XXXX for this loan and have still been receiving harassing calls where the company representative is yelling and threatening me via phone.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CREDENCE RESOURCE XXXX, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically the Pennsylvania Consolidated Statutes Title 18, Section 4120 ( Identity Theft ). 

It has unequivocally come to my attention that CREDENCE RESOURCE XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Pennsylvanias identity theft statute, Title 18, Section 4120, criminalizes the unauthorized use of personal identifying information, including its use in fraudulent credit reporting activities. This statute provides strong protections to consumers, and any unauthorized reporting to credit bureaus without explicit consent is in direct violation of my rights. 

I assert with unwavering certainty that I have not provided consent for CREDENCE RESOURCE XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDENCE RESOURCE XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias identity theft law. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Pennsylvanias identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDENCE RESOURCE XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

I have disputed this unknown item listed several times. I do not owe this amount nor even know what this is. Please help as I am getting no where with this Harvest Associates {$620.00}
Product: Checking or savings account

Capital One refuses to honor my request to close a checking account. 

On XX/XX/XXXX I mailed Capital One a signed letter via USPS First Class Mail requesting a closure of my account. A copy of the letter text is accompanying this complaint for reference. As of today, XX/XX/XXXX my account is still open.
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, XXXX XXXX and FTC
Product: Credit card or prepaid card

I received today an email from Capital One Venture Card stating that they reduced my credit limit to {$5000.00} from {$10000.00} effective immediately without prior notification. I called Capital one several times to see how much they were looking for me to charge each month to keep my credit limit to {$10000.00}. No one could answer that question and told me I would have to talk with a credit specialist but they had no credit specialist with which to talk. In all the years I have had a credit card, I have never had a decrease in credit. I have always paid my bills in full on time. In spite of having substantial liquid assets and income, we have been unable to resolve this problem with Capital One.