23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We received a letter from Bank of America dated XX/XX/2024 welcoming my business LLC to Business Advantage Fundamentals Banking Account. We did not request to open an account. The TIN on the form was not our TIN. The letter requested we send a " Business Resolution and Authorization for Opening and Maintaining Banking Relationship '' form. It did not have our State where Organized/Registered/Principal Place of Business filled in. 

I called BOA at XXXX, their line to report fraud, to request who opened the account, request it be closed, and told them I would report them for fraudulent activity. They told me it wasn't fraud since it wasn't our TIN. I could not report it as fraud to BOA, I could not close the account since it isn't our TIN. They will not give me any information as to who opened the account. They were encouraging me to destroy the letter. I told them I was keeping it as proof of their unethical marketing and in case unlawful activity occurs so we can report it to the proper authorities.

This activity seems to be sketchy at best and fraudulent at worst. Bank of America doesn't seem to have learned from their prior unauthorized opening of accounts and the fine they paid in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA account # XXXX, XXXX XXXX XX/XX/2021 has violated my rights due to the following : [ 15 U.S.C 1681 ] section 602A - States that I have a right to privacy.

[ 15 U.S.C 1681 ] Section 604 A, section 2 - states a consumer reporting agency can not furnish any account without my clear written instruction.

[ 15 U.S.C. 1681a ] Section 603, Section 2A, Subsection ( iii ) - communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information. may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Mortgage

My mortgage company is Franklin American Mortgage. I have filed at least XXXX modification request with the company and each time they respond I do not " qualify '' because I do not make enough. I lost XXXX % of my income and my husband abandoned the residence almost 2 years ago. I am now divorced and have a true Hardship. They have wasted months " reviewing the documents '' then they tell me to resubmit them because they expired only to say NO again. The company should be audited as they lie to you each time you speak to them. I do not believe they are compliant with the FHA programs in anyway. Never trust this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching relevant information regarding the agency. This is NOT a duplicate report, as they gave a " canned '' answer to the last filing, saying they did not have specific information despite it being provided dozens of times. They continues to report a " XXXX XXXX '' account despite it clearly being fraudulent, as well as a XXXXXXXX XXXX  account. These items should be blocked if the company will not do so itself. There is CLEAR OVERWHELMING evidence that I was a victim of widespread fraud. 

I am also attaching several letters addressing other fraudulent accounts where XXXX XXXXXXXX  and XXXX have noted the items are fraud and I should not be held responsible for them. They include XXXX, XXXX, XXXX and XXXX XXXX accounts. 

There are also multiple POSITIVE items missing from my report. I have contacted XXXX XXXX as they have two cards and only one is being reported. They are sending BOTH cards to all three agencies. 

I have also called XXXX and they are reporting to all three agencies but all are not reporting that account. 

These would help my scores as I have never missed payemts, etc. 

I have attached those accounts as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 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.
Product: Credit card or prepaid card

in XX/XX/XXXX i bought 2 new tv 's from best buy i knew i would pay the balance when the card came in.i paid the card off in XXXX but noticed a charge for XXXX put there buy best buy .... not myself so i paid the balance of 3800.00 ( approx ) off less the charge that was added buy them. closed the card as it really disturbed me that they added this with out my say so they kept billing me and adding fees so i went ahead and paid the XXXX just to end there game they are still adding fees and sending me bills for a card that is no longer open the current balance is XXXX and they have been paid i am also disputing this with all of the credit agencies I am currently XXXX credit rating best buy i believe is way out of line with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently disputed on my old XXXX XXXX XXXX account on XX/XX/2020 XX/XX/2020 and XX/XX/2020 and the account has not been proven to be accurately verified on all three of my credit report 's from Experian XXXX and XXXX. This account is asking for {$280.00} but wont show proof of the account being accuarte after I've constantly have been attempting to receive accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently signed up for XXXX XXXX to monitor my credit. I noticed an inquiry that I did not recognize. After determining what the inquiry was for, I believe it to be the result of someone else having misused my personal information to obtain a line of credit. The inquiry was for a store credit card that I did not apply for. I did attempt to contact the company who ran my credit but was unable to reach anyone because I do not have an account, the computerized phone system will not allow me to reach a live person. I would like the following inquiry removed : Equifax : XXXX - inquiry from XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time in XX/XX/2020 I placed a call to XXXX inquiring about an education loan that was showing up on my credit report. I gave XXXX my information and they were unable to locate an account. The representative was able to locate an account when I gave my social security number but nothing else matched. I was told I would receive paperwork in the mail and to fill it out and send it back. On XX/XX/XXXX, I sent back to XXXX the completed form, with copies of supporting documentation such as my social security card, my driver 's license, etc. 

I heard back from XXXX on XX/XX/XXXX asking for a copy of my high school diploma. I got in touch with my high school and all they were able to do is provide me with a copy of my transcript. Being as that I graduated high school XXXX years ago, my high school is unable to re-issue a diploma. Further more, it is not something that they make in-house and would have to find the business that they worked with XXXX  years ago to produce another diploma. They assured me it was a certified copy and that it should serve whatever purpose I needed it for. I sent a copy of the diploma to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that XXXX was unable to verify my claim of identity theft and that the loans were mine. The reasons they gave were that I requested deferments/forbearance/consolidation/forgiveness, and submitted correspondence acknowledging responsibility for the loan. 

On XX/XX/XXXX, I responded requesting evidence and documentation of these requests for deferments/forbearance/consolidation/forgiveness, and copies of any and all correspondence I have submitted that acknowledged my responsibility, and payment history, dates and and amounts of any and all payments made on the loan. I also requested description of the procedure XXXX used to determine thevalidity, accuracy and completeness of the student loan such as the school name, address, name of person contacted, and telephone number. 

On XX/XX/XXXX, XXXX sent a letter stating that they were unable to confirm my claim of identity theft/forgery for the following reasons : requesting deferments/forbearance/consolidation, not receiving requested documentation to substantiate claim, and that I expressed interest in enrolling in alternate repayment programs. 

I need help. It seems like XXXX is looking at me as a person with a genuine and legitimate concern. I only receive form letters saying the same thing over and over. I have sent everything they have requested but there is no acknowledgement of these documents. The loan does not belong to me and I need help just getting them to listen and look at all the evidence I have provided. I was not even in US during the times XXXX said these loans were borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$21.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX  Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  Balance : {$11.00} XXXX XXXX XXXX XXXX Balance : {$39.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$70.00} XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Student loan

Over the last few years Navient has added tens of thousands of dollars in fees to my student loan and repeatedly refuse to provide me with an accounting of said fees. As well, they recently erroneously reported to the credit bureaus that I ADDED to the balance of the loan despite the fact that I have not missed a payment and that it is currently deferred until XX/XX/XXXX. They refuse to discuss my balance or the fees and refuse to prove to me where they came from. In addition they have refused to work with me at all on the balance or extra fees even going as far as to refuse a larger monthly payment at one point saying that the loan had to be repaid by the schedule agreed upon. They have no proof I agreed to that.
Product: Money transfers

I made a transfer to my XXXX account through Money Gram online through the website moneygram.com on XXXX of XXXX. But the money was never received. When I called the moneygram customer care, they said that the account number was incorrect ( Although I do n't believe that ), and the transaction will be cancelled and the full amount will get credited to my account. But I never got the refund. 

When I tried calling them again, they said the receiving bank did n't return the amount and I was asked to contact the Recipient XXXX bank myself, to speed up the process. I contacted the Recipient XXXX bank ( XXXX Bank ), they said that if the account number is incorrect, the money will be returned to the sender immediately. But I was not sure why moneygram is playing with my money. 

Also the moneygram customer care is worst, the customer care officer will transfer the call to second level support which takes at least 20 mins to connect to.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/1970 XXXX Credit Bureaus : XXXX, XXXX, XXXX To whom it may concern : 15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for late for any purpose.

I am reporting this collection as an " Open Account '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

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

Called company about their reports to credit report company. I pay XXXX$ a month and they stated my interest is XXXX$ a month so I’m short XXXX$ a month on interest so my balance only should be going up XXXX$ a month and they are reporting it’s going up XXXX$ every month
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), balance is {$480.00}, and account # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I sent money to someone who scammed and once I reached out to Zelle they completely ignored me and never addressed my concerned.
Product: Debt collection

On Tuesday XX/XX/year> I received a text message from Harris & Harris Debt Collector stating I would receive messages from them. I used a search engine for their phone number and called them to let them know they had the incorrect person. I was transferred twice, and the second person I spoke with informed me that I was never texted when I gave her my telephone number. I also informed her that it is illegal to contact me without prior confirmed consent ( this was all on my cell phone ) and she said no it isn't, they can contact whoever they want. She transferred me again, where I sat on hold for 25 minutes until I hung up. I then replied to the text with STOP and received a text that I was successfully unsubscribed and will no longer receive text messages. I then reported them to the FTC, as I do not even have an account with this company, not have I ever heard of them, nor received anything from them prior to the initial text. 
I stated in a text to them that I reported them to the FTC for violation of the TCPA since I never provided prior consent to be contacted. 
Despite being told I would no longer receive texts I received a response that stated " XXXX , Harris & Harris - collects for Oklahoma Turnpike Authority. Balance : {$100.00}. To Pay : hyperlink provide. Reply STOP to stop. 
I responded " This is not XXXX, my name is XXXX. I have already requested that your firm stop texting me. I tried calling and was put on hold for over 25 minutes. Oklahoma does not allow a vehicle to be registered if there is an outstanding turnpike balance. I registered my vehicle 4 days ago with no issues. You obviously have the wrong person. I have never given express written or verbal consent to be contacted by your company. I have already requested that you stop contacting me, yet you continue to do so. This will also be reported to the FTC. '' Follow with STOP. 

I did a second FTC complaint, ticket # XXXX and XXXX. 
I again tried to call the Firm to ensure that the matter was taken care of, but I was left on hold for XXXX minutes, so I hung up. 

That is XXXX violations of the XXXX from a company that I had never previously heard of, nor do I have an account with. I asked them to stop and they unsubscribed me, and then responded! This caused me to take time out of my workday and was very inconvenient. Per other complaints it seems that this company has a habit of doing such things. There is a monetary compensation for TCPA violations and I wish to be compensated for my time and effort I put in to try to fix a simple mistake and was treated very rudely.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found hard inquiries from the listed companies on the attached file. Unfortunately, I have not been monitoring my credit as I should, but I did not approve or give them permission to run my credit.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and Im at a loss as to why theyre there. While reviewing my report as usual, I noticed these discrepancies, which seem to have appeared out of nowhere. I even refreshed my browser to rule out a glitch, but the inquiries didnt disappear. This situation is extremely frustrating, and I am urgently requesting that the documents I submitted be carefully reviewed so this matter can be resolved and I no longer have to worry about it.
Product: Debt collection

XXXX XXXX XXXX Credit Reporting Agency Jefferson Capital XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : Jefferson Capital System Dear Jefferson Capital System, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.

After reviewing my records, I found no written agreement or signed contract with Jefferson Capital System authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that Jefferson Capital System provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law.

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law.

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report.

Thank you for your prompt attention to this matter. I look forward to your response. 

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

My account with the XXXX XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Affidavit of Truth was sent out on XX/XX/2021. Response was received, however the response isn't correct. 

A Notice of Default and Opportunity to Cure was sent out on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. Transunion and XXXX advised they did an investigation, however left innacurate items on my report. XXXX never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 has violated my rights 15 USC 1681 section 602 A which states thatI have the right to privacy. It also states in 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting or other personal consumer reports

My credit report is showing the account is closed but a current balance of {$2400.00} is showing. It says balance was reported most recently on XX/XX/XXXX. It shows Im using 123 % credit. And this account has been closed for years and I paid the collection company off over a year ago as well. I tried disputing as it is effecting my credit utilization on my credit report. The company responded telling me its not showing a current balance its showing the highest credit utilization on the account. This is not true and not how it is showing up on my account. I have two other chase credit cards with the same issue. Closed years ago and collections paid off but still showing up with over 100 % utilization and is effecting my credit utilization for my final score. All these accounts have {$0.00} owed but are being reported incorrectly and have negatively impacted my credit leaving me homeless for the last 8 months. I have screenshots of my credit report that will prove all 3 accounts with chase are showing a current balance and credit utilization over 100 % making my credit score low. I tried calling chase they told me they are not reporting a balance but this is not true. They are. I have proof.