23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 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: Student loan

I am being harrassed by Navient about a student loan. I filed bankruptcy and this loan was put on hold. Since coming out of bankruptcy, I receive calls twice a day about my student loan. I have contacted the company and told them I can not pay what they want monthly. I am sending payments according to my finances. I am a senior citizen and am on a fixed income with a lot of medical bills.
Product: Checking or savings account

I am exploited by many criminals in XXXX XXXX and their international friends exploiting a marital separation i have to go through with XXXX in XXXX and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when i should be retired in XXXX XXXXXXXX. I have no income past XX/XX/XXXX and all my subscribers help or value that can be raised selling books i put online stolen. I was registrant of XXXXinfo since XX/XX/XXXX even now i have no income.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from Equifax, XXXX and XXXX. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent. 

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries. 


The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates.

2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes.

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.
Product: Credit card or prepaid card

Billing and errors dispute. Inaccurate investigative consumer reporting
Product: Mortgage

On  XXXX   XXXX  I received notice that  Loancare ha d conducted an escrow " review '' and determined that my monthly escrow payment needed to increase from {$750.00} to {$930.00}. I found this to be odd, and excessive, and sure enough, after doing the math myself, I calculated that I 'd overpay them by about {$2300.00} annually with this increase.     Within a few days I contacted Loancare by phone to argue these additional charges. I was told to submit a written reques t (  email acceptable ) with supporting information. I submitted information stating that our home was now under a " principal residence exemption '' thus lowering our tax obligation. I also included historical statements approximating our tax liability from when the home was under this exemption with the previous owners. This information was not deemed good enough, so they refused to reassess the monthly escrow contribution.     At this time, feeling that giving Loancare an interest free loan was not in my best interests, I requested to eliminate my escrow account altogether as it 's not difficult to pay  two tax bills and one in surance bill annually. I was just informed that they 've denied my request to eliminate my escrow account.     To summarize, in my judgement, they 've poorly reassessed my escrow payment, causing me to overpay them by thousands of dollars annually. Thousands of dollars that should be in my bank account earning interest. Seeing eliminating the escrow account as an easy way to solve this problem, I 've requested that, but somehow they 've seen fit to deny that as well.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX| identified a discrepancy with account listed under XXXX XXXX XXXX XXXXXXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information on my credit report. Furthermore, as per the Metro 2 guidelines, creditors must report the correct date of last activity for charged-off accounts. It has come to my attention that the date of the last activity on this account is inaccurate and is causing a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX  I filed a dispute with XXXX, XXXX and XXXX regarding my payments had stop and were not being reporting from my credit card with Comenity BankXXXX XXXX for the several months and I want the payments to be updated because my account has always been in good standing and never late payments. On XX/XX/XXXX XXXX Credit Bureau informed me that Comenity BankXXXX XXXX had removed my account from my credit report. I called XXXX on XXXX XXXX XXXX  and was told they could not reinsert my account. They told me to call Comenity Bank/ XXXX XXXX and I did both Comenity Bank/XXXX XXXXXXXX and XXXX are refusing to correct this problem which is hurting my credit score. I have been communicating with XXXX and Comenity BankXXXX XXXX from XX/XX/XXXX to present, XX/XX/XXXX and I am always told allow 30 days. XXXX asked me to send the correspondence from Comenity BankXXXX XXXX they had contacted XXXX and I submitted supporting documents of my active and good standing account with Comenity Bank/XXXX XXXXXXXX but nothing has been done. My entire credit account is removed ONLY from XXXX. XXXX and XXXX are correct. As a consumer this is not fair because I pay my credit accounts on time. At this time I do not what to do. This has decreased my credit score and limiting my credit availability and causing high interest rates. Comenity BankXXXX XXXX is stating they are reporting to XXXX but if there is no account with XXXX what are they reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an extension of my previous complaint with XXXX Experian and XXXX
Product: Checking or savings account

XX/XX/2021 I made a claim to BB & T Enterprise Fraud Management department with my local XXXX, MD BB & T Branch. Bank employee, XXXX XXXX, of the XXXX branch helped me to fill out my ATM/Check Card/Electronic Check/Error Resolution form. The dispute that is of my concern is a case of fraud. On XX/XX/2021 I received an email from a person by the name of XXXX XXXX that appeared to be a faculty member from my university, XXXX  XXXX XXXX  XXXX County  concerning a job offer for students to assist the Superintendent of the school. I was convinced that I was given the position and I was sent a check addressed to myself, XXXX XXXX in the amount of {$1800.00} from XXXX XXXX XXXX XXXX County. This was in the format of an e-check and the email came from a person impersonating another XXXX employee by the name of XXXX XXXX. I was told that this check amount included my first week paycheck as well as money to put towards the materials for working at home such as ; a laptop, printer, and rubber stamp. On XX/XX/2021 I was instructed by " XXXX XXXX '' that I needed to send via XXXX {$1000.00} to pay for the printer and laptop. I thought this was strange so I wanted to verify XXXX XXXX identity on my University 's website. I saw that she is an actual employee of XXXX ( XXXX XXXX XXXX ) therefore I was under the impression that I knew and trusted this person. XX/XX/2021 I sent a XXXX  payment to an account under the name of XXXX XXXX ( I was told this was the company selling the materials ). I also contacted my University to learn that this indeed was a phishing scam and the emails did not come from the REAL XXXX XXXX. I later learned that the check was not actually from XXXX XXXX, as I later got in contact with the real XXXX XXXX through the email address of ; XXXX ( XXXX XXXX XXXX ) I reported this to my bank and had the fraudulent check disputed immediately, however the XXXX payment was already accepted by the recipient therefore I could not cancel the payment. I would like it to be noted that the XXXX payment was made after bank hours, therefore I had no way of contacting my bank to put a hold of the payment. I then made my dispute with BB & T to try to get my money back. On XX/XX/XXXX I also filed a police report with Officer XXXX XXXX of the XXXX Police Department under the Case # XXXX. On XX/XX/2021 I received a letter from BB & T Enterprise Fraud Managment that stated after an investigation they have denied my dispute and no funds will be deposited to my account as a result of the claim. XX/XX/2021 I called their department ( XXXX ) to learn the evidence that was used to resolve my claim. I was told that my claim was denied because the money was sent through a third party ( XXXX ) and therefore they do not offer any protection for consumers under these services and I will not be receiving a credit of {$1000.00} on my account.
Product: Debt collection

XX/XX/2020 They just tried to call and they have responded to my complaint or no call order from sent in earlier and you've sent they a follow up letter
Product: Debt collection

I have disbuted this debt, in return they threatened to sue and damage my credit. They resubmitted to the credit companies as a new debt in XXXX. Any collections I did have on my account were from XXXX and greater. I did not open any accounts until XXXX with XXXX XXXX. I have no knowledge of a XXXX account. They are repeatedly calling me all hours of the day 7 days a week at home and at work. They mail me papers requesting I file a police report.
Product: Debt collection

XXXX XXXX XXXX  a debt collection company in XXXX MI has continued to fraudulently attempt to collect a debt from XXXX XXXX in XXXX XXXX MI for the amount of {$68.00} stemming from a medical appointment in XX/XX/XXXX. The {$68.00} was paid directly to XXXX XXXX in XX/XX/XXXX. XXXX has continued to call and send collection letters for over a year despite XXXX XXXX informing them the debt was paid in full. I have also informed them multiple times that the amount was paid directly and no current balance remains. XX/XX/XXXX the {$68.00} was referred to XXXX  as a deragotary account despite a lack of evidence showing that this account is overdue or outstanding. Despite multiple contacts made by myself as well as XXXX  they continue to treat the debt as unpaid. They are using the deragatory report to XXXX  in an attempt to extort money from me without providing any valid paperwork showing the transfer of this debt to them or providing any statement or corespondence from XXXX XXXX showing the account being past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been laid off and I am going through a divorce. I contacted Bank of America on XX/XX/2022 to ask for a renegotiation of repayment terms based on my decreased loan balance. I am willing to make payments, but I need a lesser payment amount. I had been making regular payments for at least 2 years and Bank of America refuses to help me with revised payment arrangements. Bank of America would rather negatively report on borrowers as opposed to trying to help someone who wants to pay but simply can not pay quite as much due to a recent layoff. 



XXXX XXXX has begun reporting an account as a collection on my credit. This account is not solely mine and is currently being negotiated inside of divorce proceedings. I have spoken to agents at XXXX XXXX and I have explained that my I am unable to reach my ex regarding this debt, nor do I know where she is, nor am I able to or required to make the full payment. I have further explained that the balance of this account will be paid in full by both my ex and I, once the divorce is finalized. I was misled to believe that the creditor would wait for the final divorce decree before any further action would be taken. This debt is only 1/2 mine and I intend to pay the debt in full with funds that I am entitled to receive in the divorce proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had noticed the fraudulent transaction on XX/XX/XXXX of {$54.00} and due to that the 30 day late payment had occurred on XX/XX/XXXX from the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Balance : {$6500.00}, XXXX XXXX Balance : -
Product: Checking or savings account

From XXXX to XXXX my bank of America account, I never present any type of setback, I never carried out any illegal action, I had my credit cards up to date, I properly used my personal account. 

In XX/XX/XXXX I was notified that my bank account and all accounts related to me would be closed, without any reason or explanation, that account only made transfers by XXXX, air transfer, and personal expenses related to me and my family. 

I was notified that I can not reopen an account with them without any reason for explanation, and arbitrarily closing my account, where at no time is any irregular action present. 

For the date of XXXX, I was never notified that making use of the XXXX was a violation of the bank 's rules. So I would like to know if I could solve this problem with the BANK OF AMERICA bank.
Product: Mortgage

Flagstar Bank I was continually receiving request for additional information. I provided the information and Flagstar would request updated information. The application and subsequent information lasted XXXX year. I believe I was not treated fairly.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from my financial monitoring company saying a change had been identified in my credit. I then logged on for details and found that I new credit hard had been open in my name. I never opened a credit card with Bank of America ( BOA ). 

Information on credit report- XX/XX/XXXX a XXXX XXXX at Bank of America was open with a limit of {$22000.00}. 
It said number was XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I called Bank of America XXXX XX/XX/XXXX and inquired about the account. I was told they did see an account in my name. I reported it as fraudulent. I wanted more information on how this could happen but had to go due to life demands. 

I then called on XX/XX/XXXX and received several transfers over 43 minutes at which time I had mentioned that this was a fraudulent account multiple times. At this point it appeared that this card is closed but I requested written information on how this even happen which they have not provided me. 

XX/XX/XXXX I received a letter saying that my application had been approved for an application for a credit card of XXXX. I have not opened a credit card with Bank of America. I had even already notified them that this was fraudulent. 

I called again on XX/XX/XXXX to ask for information regarding how a card was opened in my name. 
The first person I spoke with XXXX from the the BOA Fraud Applications department at XXXX who gave me the following information about the application. 
XXXX was an online application reference number XXXX from IP number XXXX located in XXXX XXXX CA ( This is not my IP address or city of residence ). 
She then said I would need to be transferred to another portion of the fraud department ( she could not provide me with a number ). When transferred I received a recording saying my claim had been made and they would be sending me a new card in 10 days. ( I reported fraud not the need for a card. ) I then called again to XXXX to get more information and ask how this account could even still be open after reporting it as fraud multiple times. She said to me that it had been close and she could not see it open and is unsure why they would say that. I asked for written information that the account was close and she said she couldn't provide that but she could send me a copy of the application. I agreed that it would help but still want more information which they have not been able to help me with. She gave me a case Id # for the application request XXXX. 

My credit report still show a credit card with BOA and I need help holding Bank of America responsible for letting the fraud get through and providing me with information that the account is closed and how they can help make sure it is removed from my credit report. 

Please help.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

ID theft/account takeover fraud previously reported to police, FTC & XXXX account has XXXX balance, is not charged off and has never been late please delete line from credit file
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to XXXX, XXXX, and Transunion. I have asked for methods of validation and none have been provided. I would like assistance in making sure the credit bureaus complete an appropriate investigation.
Product: Money transfer, virtual currency, or money service

Cash app somebody was able to withdraw {$1500.00} out of my cash app and is no one to talk too about it
Product: Debt collection

A few months I sent a letter to XXXX XXXX stating I could pay my debt of {$270.00} for a lower amount of {$100.00}. The rep from XXXX informed me yes I could pay the debt for lessons it would be reported as such and they would also require debt be deleted from my credit file with all 3 major bureaus. I sent a check and a copy of the email that I received from XXXX which stated as such. They sent me a letter back k stating there are restrictions on the letter they did not agree with. I also looked on the website which they stated they would delete trade lines from credit reports for payment that may be less than in full. I sent them a personal check stating to pay off my debt and they sent the letter back. Why would such a company state they would take payment for less and a rep stated they would take less and on the website states the same thing. What kind of company does not follow what they post
Product: Prepaid card

We have bought 2 cards which has CVV and expiry date and balance dollar values. I checked the amex link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. 

We have attempted to use this places where Amex cards are accepted and the transaction is getting declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year. This is supposed to be accepted anywhere which accepts American express cards without a problem since it has loaded actual cash value plus the fees. 

The merchant took XXXX cents from both the cards even though both the cards got declined and thats the only outcome. 

Pls see the screenshots.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently discovered that my personal information was exposed in a data breach, resulting in inaccuracies and negative entries on my credit report. I am requesting that all incorrect or fraudulent items be removed promptly from my credit file within the 30-day dispute resolution period.

Thank you for your attention to this urgent matter.