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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting

Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX XXXX XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact XXXX by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX, CA XXXX XXXX BANK OF AMERICA XXXX Date Opened : XX/XX/2016 Balance : {$2500.00}
Product: Bank account or service

I am with Bank of America now I was charged XXXX times for XXXX items that were okBut not XXXX extra times XXXX is legit but XXXX are notI was charged a overdraft fee when I was n't overdrawnThis is not the XXXX time they have tried to do this I catch themEach time now they do n't want to change what they did wrongAnd the posting of items is false
Product: Credit reporting

i am making a complaint about a late payment / delinquency reporting on my credit report, on all the three credit agencies. 
the account name is XXXX. svs. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00}
Product: Mortgage

We refinanced with XXXX in XX/XX/XXXX. As part of our closing, they insisted on paying our property taxes that were due by XX/XX/XXXX. So the title company for XXXX  ( XXXX XXXX XXXX ) paid our property taxes at closing ( receipt attached ). Shortly thereafter, our mortgage was sold to Specialized Loan Servicing. Specialized Loan Servicing then sent in a check to pay our property taxes AGAIN. The website shows they issued the check to XXXX XXXX on XX/XX/XXXX for {$4900.00}, which left our escrow account firmly in negative territory. I tried calling them on XX/XX/XXXX when I realized their mistake, but could not get through to the escrow department. It kept disconnecting me. I got a hold of a live person by going to the payment division, and the rep confirmed that the phone lines for escrow were down and to call back another day. He suggested I contact XXXX XXXX in the mean time to see what happened with the payment. I called XXXX XXXX MO XXXX XXXX XXXX, who confirmed that they had indeed received the check from Specialized Loan Servicing, but as the property taxes for our account had already been paid previously on XX/XX/XXXX by XXXX XXXX XXXX, they sent the check back to Specialized Loan Servicing without depositing it in early XXXX. In the mean time, I sent an online message to Specialized Loan Servicing to try to rectify the situation since their phones were supposedly down. All I received was a message to call them. Not helpful. As they have limited hours, I had to take time off work on XX/XX/XXXX to try to get a hold of someone again. Finally did. She said they would " research '' it and to give them XXXX business days, even though it had been at least a week since they likely already received the returned check. It has now been XXXX weeks since my phone call to them and nothing has been done. I am extremely concerned about our money at this point, as their online reviews are awful. We didn't have a choice as our mortgage was sold to them, so it is important that someone is watching over their business practices. They have STOLEN {$4900.00} from our account.
Product: Debt collection

On XX/XX/2021 I received a letter from Credit Control , LLC demanding the payment of {$1300.00} for a XXXX 's account that they have not shown legal proof that this account belongs me, legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. I called their office and sent a letter requesting these documents on the same date. This company has failed to respond with any information. 

I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.
Product: Debt collection

Repeated phone calls to me and my references since XX/XX/23 thru XX/XX/23. Asked them not to call me or my references since loan is being taken care of by XXXX settlement company. I've offered to give them the phone number to call to verify with XXXX settlement company and they said they can't call them and they'll need to call them. The settlement company has sent letter to notify them of what is going on, but they continue to call. I've blocked there number and now calling from another number and leaving voicemail.
Product: Debt collection

Have had numerous phone calls to my house when pick up no one there at all would like someone to send me information if I owe a debt from this company and stop phone calls to my home! Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly disputed a {$17000.00} dollar debt that different companies keep selling under different names and placing on my credit. The company 's name it goes under now is Asset Recovery Solutions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. They purchased this account from XXXX  XXXX XXXX XXXX, who has also sold it to several.different companies. XXXX  reports it and damages my credit. The last company that placed this on my credit was asked to show a signed contract in which they couldn't because i never signed one.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX has violated my rights.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX as a result Capital One charged off my credit card account in XX/XX/XXXX which is understandable. However, Capital One reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that Capital One remove the additional charge of dates has been unsuccessful. Capital One refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that Capital One has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.
Product: Checking or savings account

I have an account with Juno Finance. On XXXX  XX/XX/XXXX I received an email from Juno about a disruption in service. On Monday XX/XX/XXXX I received an email that I would no longer receive XXXX  % interest on my deposit. I started the process of withdrawing my money to another bank where I would earn more. On XX/XX/XXXX XXXX learned that the ACH transfer to the other bank failed and that transfers to my account were suspended and I tried to close the Juno account. On XX/XX/XXXX I learned that Juno can't or won't close my account and give me my money back. I have almost $ XXXX with Juno that's not earning interest and that I can't access.
Product: Debt collection

I have provided XX/XX/XXXXwith all required documents, ( FTC Identity Theft Report, Police Report, and Proof of Identity ), the company continues to report this information to Credit Reporting Agencies. This has impacted my ability to receive appropriate credit ratings and has tarnished my reputation as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Opened in My Name To Whom It May Concern, I am writing to formally dispute an account opened in my name with XXXX XXXX on or around XX/XX/XXXX. I am a victim of identity theft and can provide evidence that I could not have opened or authorized this account. 

I have been XXXX since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Therefore, I could not have participated in any financial activity, including opening accounts or authorizing transactions, during this time. 

The details of the fraudulent account are as follows : Account XXXX : XXXX To assist with your investigation, I have enclosed : XXXX. A copy of my identification ( prison ID ) XXXX. Proof of my XXXX, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A completed Identity Theft Affidavit Please confirm in writing that you have received this letter and provide me with updates regarding the status of the investigation. I can be reached at the address above, or you may contact my representative, XXXX XXXX, at ( XXXX ) XXXX. 

I trust that XXXX XXXX will handle this matter promptly and appropriately. Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : [ List enclosed documents ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry : XX/XX/XXXX XXXX- Date of inquiry:XX/XX/XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payments on my credit report from XX/XX/2017. 

30 day late XX/XX/2017 I am not sure how this happened. I believe I have made all of my payments to you upon receipt of the statement.
Product: Checking or savings account

A {$1000.00} check, dated XX/XX/XXXX, was cashed from my account for {$3000.00} and the bank has yet to credit my account with the difference. 

Attached to this complaint is a copy of the deposited check, obtained from my bank, PNC. You can see clearly that I wrote it for {$1000.00}. On the top line you can also see that instead of the amount I authorized, {$3000.00} was actually debited from my account. 

I contacted the bank repeatedly over the past several months. Every time I call, I'm told that they're waiting on the receiving bank to get back to them, etc. One person told me that the case had been closed, but could provide no justification for doing so.
Product: Money transfer, virtual currency, or money service

I sent money via Zelle to a business, but the registered number went to someone other than the business. I contacted that person after Zell told me I was XXXX  and the person told me they would send the money back, but then ghosted me with my money. I'm terrified to send money with Zelle for the reason that they don't protect their users!
Product: Mortgage

Dear CFPB, On XXXX/XXXX/15 Specialized Loan Servicing agents and my designated relationship manager, XXXX ( Teller ID : XXXX ) confirmed SLS made a mistake in processing my final loan modification agreement. The agent also confirmed that my additional payments of ( {$3400.00} ( XX/XX/XXXX-XX/XX/XXXX. 2015 ) since the completion of the trial modification program ( XXXX - XXXX 2015 ) had not been applied and still remain in a suspense account. I was told the issue had been escalated and a supervisor would make sure the system was updated and the agreement enforced. I had contacted SLS on XXXX/XXXX/15 to inform them I had not received the final loan modification documents and did they send to my new address as I had informed them of in XXXX. SLS stated they had sent the documents to my old address on XXXX/XXXX/15 to be returned by XXXX/XXXX/15 and they would resend the documents and retroactively enforce the agreement. SLS sent the documents on XX/XX/2015. I signed and notarized the documents on XX/XX/2015, confirmed SLS received on XX/XX/2015. XXXX Tracking Number : XXXX. When I contacted SLS on XXXX/XXXX/15 for a status update and resolution before I made another payment to sit in a suspense account, SLS transferred me to over XXXX agents and said they could not find any documentation and my final loan modification had been denied and threatened foreclosure. I have been working with SLS during hardships for over three years to resolve the defaulted mortgage payments. SLS denied XXXX distinct offers to purchase the listed home from different buyers in two years via the short sale XXXX process. Then we pursued Deed in Lieu and Loan Modifications, I completed the Trial modification and due to SLS mismanagement, fraudul ; XXXX practices, unethical standards, and poor customer service my final modification is not being processed and causing me extreme stress and continued financial hardship. 
I would like this situation to be investigated and resolved immediately, my final loan modification reinstated, and my suspense payments applied to the new modification. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was scammed by XXXX XXXX XXXX. The organization claims to submit student loan applications on their behalf to lower student loan costs. However, that was not the case. I agreed to submit all the necessary documents to XXXX XXXX ( My Educational Advisor Rep ) because she told me her organization works closely with my Aid Vantage provider to lower student debts. While speaking to XXXX, she asked for specific documents such as my XXXX Tax documents, Paystubs, my Student Data information, My Student Forgiveness Loan Application, XXXX XXXX XXXX, and my XXXX XXXX XXXX. After speaking with XXXX, I sent all my documents to XXXX. I was informed that it could take up to 3 months for a response. After waiting for 3 months, I contacted XXXX for a follow-up, but XXXX XXXX XXXX XXXX telephone stating, XXXX XXXX no longer works for the organization. Once XXXX informed me of the change, he asked for the same exact documents XXXX had previously asked for in XX/XX/XXXX. Although I was hesitant, I re-sent all my documents again to XXXX. After I sent my documents to XXXX, I never heard from him again, except for receiving emails confirming that they had deducted payment in the amount of {$190.00} from my checking account. I'm not sure what that fee was for, maybe because they assisted with submitting my application to XXXX XXXX?? However, the amount of {$190.00} was deducted from my account for months .... please see attachments, and later {$39.00} most recently. When I missed a payment, I received an email instructing me to contact the organization via telephone or by email. In the past I tried contacting XXXX 4 months ago, but the contact number that he provided to me was disconnected ( XXXX ) XXXX. I tried sending several emails to XXXX, but I never received a response. I tried googling for a website, but there is NO website that exist under My XXXX Advisors. I tried researching the address provided, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NV, XXXX, but their office doesn't exist. The only communication I have is my bank account information showing they automatically deducted funds from my checking account. I spoke with XXXX XXXX on two occasions, most recently XX/XX/2023 and they said, they have never heard of My Educational Advisors, and they haven't received anything from the organization on my behalf. At this point, I am now terrified because they have information such as my XXXX Tax Forms, Paystubs, Student Data, and my Checking Account Information. I am afraid if I stop making payment, My Education Advisors could possibly report me to the Credit Bureau affecting my credit, even though they don't appear to be legitimate!! What should I do????
Product: Mortgage

Seterus Inc Loan No XXXX After review of another issue I discovered that {$16000.00} had been added to my account balance without my authorization. No explanation of the charges. I demand a full accounting of these dollars along with a detailed explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that XXXX  XXXX XXXX ACCT # XXXX or Acct # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according to Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also this account is showing 2 different kinds of account number XXXX and XXXX
Product: Credit card or prepaid card

Capital One - $ XXXX XXXX  XXXX XXXX XXXXXXXX XXXX in XXXX XX/XX/XXXX, original charge for concert at XXXX XXXX XXXX XXXX XXXX concert postponed, requested refund through XXXX XXXX- who tickets were purchased through XXXX XXXX No refund, disputed charge with XXXX XXXX They gave a temp credit XXXX XXXX XXXX XXXX reversed credit and rebilled stating that XXXX XXXX said it is a valid charge, same time XXXX XXXX also recharged me {$640.00}. XXXX and also credited me $ XXXX Still leaving the original charge from XXXX  on my credit card. 
Contacted both companies, with no resolve. XXXX XXXX stated it is a XXXX issue and XXXX said they already credited us- which is true but then rebilled us the same exact date, leaving a charge of XXXX from XXXX. 
XX/XX/XXXX since we had no resolve we said we will just go to the concert XXXX XXXX concert postponed again, refilled for a new refund. 
XXXX XXXX XXXX denied our refund stating we were already issued XXXX. 
XXXX XXXX Contacted XXXX XXXX again to dispute charge- They refuse to dispute charge stating they have already done everything they can do and the merchant needs to refund us. 
XXXX XXXXXXXX tried to contact XXXX stadium again- no response. 
I am here as I have exhausted all other options to get my XXXX back.