23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Greetings, I have been a Bank of America customer for over 20 years. I have a checking, savings and two credit cards with the bank. Approximately two months ago I noticed that a new credit card ( specifically a XXXX XXXX XXXX credit card ) had been applied for and opened in my name without my consent. I immediately contacted the bank, and the account was closed. However, due to the breech I paid for credit monitoring services. I now realize that BofA opened this account without my consent. The bank had informed me that they would send me a copy of my application for the credit card. This was never received. I would like to be compensated for the dip in my credit score due to the new card being opened and the cost of the credit monitoring. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/2022.
Product: Mortgage

Dear CFPB Representative, I am writing to follow up on my previous correspondence regarding the ongoing issues with Select Portfolio Servicing. Despite my earlier attempts to resolve these matters directly, the servicer continues to engage in practices that adversely affect my financial interests. I respectfully request that the CFPB investigate and take appropriate action regarding the following concerns : Failure to Timely Pay Property Taxes : Select Portfolio Servicing has not remitted my property taxes on time. This delay has significant consequences, potentially jeopardizing my standing as a homeowner and exposing me to unnecessary financial risk. 

Failure to Update Insurance Information : My property has consistently been insured by XXXX. However, due to internal issues within Select Portfolio Servicing, the insurance information on file is inconsistent. The servicer has removed the insurance from its records and refused to update the mortgagee clause accordingly. As a result, the insurance payments have not been made, further compounding the situation. 

During my interactions, representatives from Select Portfolio Servicing have stated that the CFPB lacks the authority to intervene in their internal decisions. I respectfully disagree. As a consumer, I believe it is critical for the CFPB to ensure that loan servicerswho are not the actual owners of the underlying loansfulfill their regulatory obligations. Allowing such practices to continue not only harms individual consumers like myself but may also contribute to broader anti-market practices within the industry. 

For your reference, I have attached the updated mortgagee clause and documentation of the property address. I trust that these materials will assist in your review of my case. 

I appreciate your prompt attention to this matter and am hopeful that the CFPB will take steps to protect consumers from such practices. Please do not hesitate to contact me if you require any additional information or clarification. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XXXX account # XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX, account ID XXXX 2. XXXX XXXX XXXX, account # XXXX, account ID XXXX 3. XXXX XXXX XXXX, account # XXXX,XX/XX/XXXXXXXX, account ID XXXX 4. XX/XX/XXXX, account # XXXX, XX/XX/XXXXXXXX, account ID 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 an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) sections 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

WELLS FARGO BANK credit card i pay on XX/XX/2021 confirmation # XXXX the amount of {$960.00} and they still not erased this from my credit report still say potential negative on my credit report
Product: Checking or savings account

I opened a checking account with Wells Fargo from an offer to receive a welcome bonus of {$320.00} if " {$1000.00} or more in qualifying electronic deposits were received within 90 days ''. I deposited electronically a total of {$1000.00} by XX/XX/24. 

When i asked about the missing bonus it was explained to me that the deposits would have to be from an employer and deposits from other banks were not eligible. I think that is very misleading and should have been made clear in the marketing materials. If i had to set up a direct deposit from my employer or other entity that should have been a main part of the marketing as it is with other banks. Other banks that have similar offers that only mention electronic deposits do not have this requirement and accept electronic deposits from any source.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX  XXXX  XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Debt collection

Please see this letter as my third attempt at writing you in response to your decision to close the dispute investigation for inaccurate accounts. I am in disagreement with your decision. Ive requested you provide me the information you used to verify and validate these accounts, you have yet to do. By law, you are supposed to provide me with exactly how you verified the items and include the name of the person you spoke with and the telephone number. How can you decide if these accounts are accurate without an original contract with my signature? You have never obtained personal interviews with my neighbors, friends, and associates who may have knowledge concerning these accounts. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. 
To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. I NEVER received the requested information from you. According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 

XXXX XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXXXXXX XXXX. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from Transunion Consumer Reporting Agency of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. XXXX  also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. XXXX  has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. Transunion/XXXX  has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Transunion/XXXX/XXXX  also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from Transunion/XXXX   unethical and straight biased considering the lack of proof they have supporting their claim. Transunion/XXXX/XXXX  has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and Transunion/ XXXX/XXXX  Should be held liable
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX
Product: Checking or savings account

I processed a transaction with XXXX XX/XX/XXXX in the amount of {$100.00} for a XXXX XXXX  XXXX  wig. After shipping and receiving the product the description did not match. I contacted the merchant directly for assistance to see if it could be resolved to no avail. At which point I opened a dispute with XXXX for return of product which they approved and advised that the seller would be responsible for return shipment label. I waited and waited for the label and nothing was sent. I attempted reaching out to the seller again to resolve the dispute and get a return label and they continuously attempted to give me a partial refund and refused to send a label due to expense. Without a label or return address I had no way of returning the product to finalize the dispute and get a refund. I reached out to XXXX  help center who advised me to contact my bank. 
I contacted my bank and advised that I bought an item and did not receive what i ordered. The claim was temporarily credited then rejected early XXXX. I reached out to regions to see what was needed to prove the validity of my claim and on XXXX XXXX I sent in all of the documentation of weeks of me trying to get a return label sent to me and showing the seller that i received a product that I did not order. After my documents were reviewed the claim was approved and closed. On XX/XX/XXXX I was sent a letter stating that the funds would be reversed because I received the product. My funds are not being protected and the seller is not complying with policy. I have spent months trying to get this resolved and would really appreciate some assistance.
Product: Checking or savings account

I opened an account with {$25.00} deposit. Free checks were mailed but I never received them. I had to call to reorder checks and pay XXXX XXXXXXXX. I deposited cash into my account XXXX XXXXXXXX to order from XXXX XXXX They refunded me due to me not getting all my items. I tried logging in my account and wasn't able to and called and was told my account is hold. Then the next day I got an email saying my account was closed. 

Citi Reference Number : XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX 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

These inquiries are not related to me, and I have no connection with the listed creditors.
Product: Credit card or prepaid card

I have Direct Deposit with Netspend ( XXXX ). My job sent direct deposit for {$6100.00} on XX/XX/18. XXXX received on XX/XX/18. I was supposed to have the DIrect Deposit in my account at the latest on XX/XX/18. I had to wait for 48 hours to receive my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public records on my credit report with Equifax stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted Equifax and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. Equifax continues to report false information. 
I 've also contacted the organization that Equifax claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent Equifax along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Product: Debt collection

I had to switch the title of a car over and after that I still receive all these XXXX XXXX  bills that should not be in my name I have the bill of sale and the date and from the transactions and it still continuing to comes in my name and I do not owe all this debt and I'm not even the one that owns the car so I need it all to go away I feel like that is wrong and terrible and it's going to damage my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending in the additional documents you guys needed to locate me in your system from the last complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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: Credit reporting or other personal consumer reports

Expired breach credit file by conspiring with other corporations to breach the truth in lending agreement and permit damage to the consumer report issued by investors authority of agreement. Such findings are a violation under 18 U.S. Code 894- Collection of extensions of credit by extortionate means U.S. Code ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

As XXXX  permjtted and willfully neglected executing care in its duties of care. 

Under the assignment of a trust agreement of warranted property. 

Please issue an audit on the several inquirys they refuse to remove claiming it does not harm my profile. 

Which is an act of neglecting the consumers report to remove negative findings in the detriment of the consumer under truth in lending disclosures and 18 usc 6 obligations of the U.S
Product: Debt collection

I was never notifed about this debt until it popped on my credit my insurance was to cover all medical expenses i was. in a very bad car accident I then called the collection agency and they said they never sent out notice to me directly but sent notice to my insurance company XXXX and since they didnt hear from them they put it on my credit I then paid the bill and they said they would delete it but now they are saying they cant even when I wasn't notifed of this debt please help me to get this removed asap
Product: Debt collection

This collection company is calling me from different phone numbers ( XXXX, XXXX ) claiming to be the Social Security Office and my identity has been stolen. It is low on all levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Disbursement to school {$3100.00} Total Current Balance : {$4700.00} Numerous attempts to seek forgiveness and discharge Attended school for 3 weeks but have to remove myself from the curriculum due to family emergency. 
Went through proper procedure to exit out and approved to do so I have never received a check nor put my signature on one!! 
Never received a check for remaining balance nor cashed a check School kept the money School total disregard to return remaining funds for XXXX quarter Had me believe that I would not owe anything because I did a proper exit out due to reasoning. 
Has negativity been affecting my credit since XXXX There only options are : School Closure Discharge Loan discharge due to school closure XXXX XXXX XXXX XXXX XXXX XXXX discharge due to a XXXX Public Service Forgiveness see below for more details Teacher Loan Forgiveness see below for more details And more : Loan Discharge Loan Discharge Application : School Closure Loan Discharge Application : Unpaid Refund Loan Discharge Application : False Certification ( Ability to Benefit ) Loan Discharge Application : False Certification ( Disqualifying Status ) Loan Discharge Application : False Certification ( Unauthorized Signature/Payment ) Bankruptcy : Ch XXXX - First Meeting of Creditors Letter *** I filed for bankruptcy in XXXX and it XXXX in XXXX Ch XXXX - First Meeting of Creditors Letter *******AND DEALTH!!!! ****** Navient, one of the nations largest student loan servicers, has settled a student loan forgiveness lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

YES THIS PROBLEM HAS BEEN ONGOING WITH ME SINCE EQUIFAX BREACH MY PERSONAL INFORMATION TO THE WORLD AND THE DARK WEB. I HAVE BEEN IN A PURE AND UTTER DISTRUCTION TRYING TO GET MY REPORT BACK ON TRACK. BEFORE THE BREACH MY CREDIT SCORE WAS FAIR ACROSS THE XXXX COMPANYS. EVERY TIME I GET XXXX FRAUGLENT ACCOUNT OFF THE SAME DAY THEY PLACE ANOTHER XXXX ON. EVERY TIME I GET MY SCORE INTO THE FAIR ZONE THEY ADD A FRAUDLENT ACCOUNT. NOW THAT I HAVE GOTTEN ALL THE FRAUDLENT ACCOUNTS OFF.. MY SCORE HAS DROP BY XXXX POINTS WITH NO NEGATIVE CHANGES TO MY CREDIT FILE. WHEN FOR 2 MONTHS THE DEGROTORY ACCOUNT S WHERE ON MY FILE AS CLOSE ACCOUNTS NO REPORT STATUS. NOW THAT THEY HAVE BEEN REMOVED AND I HAVE XXXX ACCOUNT THAT ARE ALL IN GOOD STANDING. MY CREDIT SCORE HAS DROP XXXX POINTS WHEN I CALLED THEY COULD NOT SAY WHY. NOW I HAVE LESS ACCOUNT WITH THE OTHER CREDIT COMPANYS AND MY SCORE IS XXXX / FAIR
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my card was declined for a transaction so I contacted cash app via email my card was also disabled I didnt change it to disabled. I tried to enable my cash app card because It was disabled Im figuring because I had entered the wrong pin. I email cash app they responded back a few days later XX/XX/XXXX gave me instructions about how to enable it but no more contact after. My issues is I never received my unemployment payment and my unemployment was linked to my cash app account. Still no word from cash app as of yet! Todays date is Friday XXXX XXXX. The amount of unemployment was {$1100.00} on the unemployment website it shows it was released to my cash app acct but it never went in to my account. No transaction history. I closed my account I dont know what to do. On top of that unemployment phone lines are ridiculously busy. Im just stuck. Please help.
Product: Credit card

Please review the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time with payments, and they are reporting inaccurately.