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

I have been a victim of fraud and someone opened up a credit card in my name along with my personal information... I also received a letter from the credit card company stating that the account was opened in fraud and they asked the credit bureaus to remove it, but it is still showing on my credit report as a negative item, account name is ( XXXX ) .... ( TXXXX XXXX XXXX XXXXXXXX ) i will attach the letter from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint serves as a follow-up to my previous complaint, in which I requested the Credit Reporting Agencies to investigate and remove the accounts resulting from fraudulent activities. On XX/XX/2023, I sent dispute letters to each of the Credit Reporting Agencies, providing copies of my personal identifying documents and the FTC report I received from the Federal Trade Commission, which documented the fraudulent accounts on my Credit Reports. I hereby request the Credit Bureaus to conduct a thorough investigation of the following accounts and promptly remove them from my Credit File in accordance with the Fair Credit Reporting Act Section 605b : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. I want to emphasize that these accounts were not created by me, nor did I authorize anyone on my behalf to do so. They are undoubtedly fraudulent and must be expeditiously removed from my Credit File. As an added precaution, I have attached the letters I sent on XX/XX/2023, as I am concerned they might not have been received by the Credit Bureaus. This complaint serves as assurance that the Credit Bureaus will indeed receive the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted PNC Bank and requested COVID payment deferred payment. I made the request online. But also called as well and was verbally advised that the personal loan was fine under the deferment. 

A few days ago, I received a notification via XXXX of a 30 day late reporting. My FICO credit score dropped 78 points.
Product: Payday loan, title loan, or personal loan

I believe this account is unlawful XXXX XXXX Account XXXX Interest rate is 98.29 % annaualy. It goes against California usury law. There lending practices takes advantage of people in difficult spot and put them in worst situations. When o reach out to them multiple times I got no compassion are no modified arrangements.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/ 2019, I was a victim of a scam through XXXX transaction. I corresponded with an individual with the intent to purchase basketball tickets posted on XXXX. The individual and I exchanged texts during which he asked for XXXX transaction to pay for the tickets. The scammer provided me with his email address after which I proceeded to transfer the funds ( {$250.00} USD ) over via online banking XXXX transaction. After the funds were received, he had completely stopped messaging and turned off his phone and the tickets were never emailed as promised. I'm a Bank of America Customer.
Product: Debt collection

I have tried for nearly a year to resolve this matter directly with Target however they have taken an impossible position and continue to create a worsening credit situation and increasing debt for truly an unjustified position. Therefore I am reluctantly forced to appeal for your help. 

To summarize : When I moved in XX/XX/2019 it took some time for the mail forwarding to catch up to my new address AND somehow during that time my auto pay ( which had been set up on this card since the date of opening ) was canceled. In XX/XX/2019 I made a purchase at Target and had a balance owing of {$19.00}, I have since been charged a {$40.00} late fee per month and my credit score has been ruined by Target. When I realized the problem in XX/XX/2019 I paid off most of the merchandise balance, Paid $ XXXXand then again in XX/XX/2019, XXXX : {$80.00}. But they applied those payments towards Late fees so I could never catch up. 

I tried on numerous occasions calling Target and explaining my position. But they would not fix the problem and continued charging me $ 40 monthly late fees. The balance is now over {$340.00}, and my credit scores are tanked. I live on SSI income and am in no position to ever be able to dig out from under these exorbitant fees.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 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. UNDER 15 US 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON AN ACCOUNT under an open end consumer credit plan as late for any purpose. UNDER 1639 No creditor may impose a late payment charge or fee in connection with a high-cost mortgage more than once with respect to a single late payment.
Product: Prepaid card

My money was stolen out of a XXXX atm on XX/XX/year> at XXXX in the amount of {$200.00}. I got the notification someone withdrew my money from my account at a XXXX atm location. I did not make this withdraw. I immediatley went onto my cash app and contacted cash app to put in a dispute for this transaction. They said they would investigate and get back to me. Same day they denied my dispute stating I gave someone my account information to make the withdraw, which I never did. I made another dispute and called the company stating my money was stolen from a XXXX atm and I asked them for the address of the XXXX atm and they denied my question stating they had no record of which specific atm my money was withdrawn from. I made another dispute. I have made XXXX disputes and each one of them have been denied to recieve my money back from being stolen. Again they stated I had given my card information to someone and that was why they denied my claim. Again, I have never given anyone my information for my account. I then found out by going to my local XXXX atm that anyone can use your information at their atms for you do not need a card to withdraw money. I made another dispute with cash app making sure they knew that someone stole my information ( XXXX atms are known to be used by fraudsters ) and I did not give anyone my information to use my account or card. Again they denied it. My card was in my possesion and so was my cell phone. I did not give anyone permission to use my account information and I do not know how the person who withdrew my funds got my information. Nor do i know the location of the atm the person used to steal my money from the XXXX atm. I want my money that was stolen from my account. Cash app did not investigate like they stated in the dispute because if they did they would have looked at the XXXX atm camera and not seen me withdrawing my money. I just want my money that was stolen. {$200.00} for I did not make this withdrawn transaction nor did I authorize anyone to use my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name ; XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the XXXX attorney in fact, so be it ; As the natural man the company has violated my consumer rights in more than one way and has caused damage to my reputation.

15 U.S. Code 1681 ( a ) States : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

It is a fact, no authorization nor consent was provided to post on my credit profile. 

It is a fact, no contract was signed with wet ink between me and this credit reporting agency to collect personal financial information. 

It is a fact, that my right to privacy is being violated by use of unfair credit reporting methods. 

It is a fact, that my consumer rights are being violated.
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 USC1681.

Account Name : XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 or other personal consumer reports

Contacted company to report that my name, address and employer were incorrect and there's been no action. My personal information ( eg : name and address ) should be reported as stated on my Driver 's License which is included in this complaint for identify purposes.
Product: Credit reporting or other personal consumer reports

Credit accounts and inquiries I been disputing and sending to TRANSUNION certified mail and sending them my complaint and copy of Identity and proof of address and they not verifying anything only sending letters asking for what they already have that was uploaded on you all site and send to them as well in other complaints
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$2300.00}.
Product: Credit card

Hi I have applied for a loan and was denied. 
Upon further investigation we found a damaging piece of information on my credit report. 
It was a chase credit card charge off from almost 7 years ago. 
First I disputed the item with all XXXX credit bureaus but didnt get anywhere because they claimed chase verified that it is my account. 
I immediately called chase to see whats going on. 
after spending over an hour being transferred from XXXX rep to another and no one was able to find any concrete info on this card, I was transferred to a department they called XXXX '' and the rep XXXX XXXX XXXX clearly stated that she does not see any concrete info. No signed contract or application. No payment history. No canceled checks. the only thing she told me was sorry but its too old of an account to have all those records!!! 
Another important note, on that account she did find an associated address in XXXX NJ, where I never in my entire life lived, further pointing towards fraud. 
I asked her nicely to remove it immediately from my credit report since it is reporting illegally but she told me she cant do it over the phone. 
So now I am stuck with a bad credit score because chase is reporting a case they cant even verify that it belongs to me! 
Thanks and looking forward to resolve this asap.
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 XXXX 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: Payday loan, title loan, or personal loan

Credit card payments system change, payments system not working properly to make payments online at XXXX XXXX website for several months. Loans are high interest at more than 190 % interest rate, and I can not input card information and there is no " send '' or submit button to process the information on the company website exists, the card payments section is completely falsely presented and not working. One must call the customer service phone line with long hold times and pay a fee instead of the free online card payments system previously accepted, a breach on the loan agreement for payment methods. I complained to the XXXX XXXX representatives in XXXX of XXXX  that I can not make payments conveniently and I am paying more daily interest because I must wait on finding the time in my work schedule to call in and wait to make a payment over the phone. There are no answers to my concern, and I am ignored, or the phone line gets disconnected to avoid my complaint about the website. ( please see included dated images for the latest occurrence of this issue. 

On XX/XX/2019, at XXXX XXXX, I attempted to make a {$1500.00} payment to pay down the balance and avoid high-interest accumulations. CSR ( customer service representative ) said I could not pay more than 2 payments in 21 days with a credit card over the phone. CSR said I could also not submit payment at XXXX XXXX branch, even in certified funds. CSR also said I could only make a payment through XXXX XXXX banks with the XXXX XXXX account number, but only if I paid the full balance of {$4200.00}. CSR then said they would only accept more money towards the loan at XXXX locations before XXXX, and there ar are fees attached to sending payments through XXXX systems of {$10.00} or more. I asked if I can use my checking account to make more than two payments over the phone, CSR said I could not make more than two payments on website either with a checking account, because an error message would occur. XXXX XXXX is purposely stalling the payment process and causing excessive expenses in addition to the high-interest loans, by making it expensive or impossible for the customer to make higher payments on the loan so the customer will continue to accrue excessive interests and either not catch up to the loan or default and eventually lose possession of the vehicle. 

During the XXXX  year, I received an excessive amount of calls to collect the monthly payment, even after asking them in writing to stop calling me.
Product: Credit reporting or other personal consumer reports

I received a vehicle loan from this company, and it was paid but it is reported as unrated. i need this to be removed. I have been dealing with this issue for a while and how this company continued to report inaccurate information on my credit report. 


second issue with this company is I was denied credit for a loan I applied to. I am credit worthy and they refused to issue credit to me when I provided my SSN. I want to be reinbursed the securities used for this application.
Product: Mortgage

I have repeatedly had problems with Mr. Cooper 's servicing of my mortgage. They have inappropriately applied additional principal payments multiple times contrary to the loan covenants. Their statements are not correct and their record keeping is impossible to reconcile. When I point out a problem, they " research '' it and say everything is great when it clearly is not. 

For example, my statements dated XX/XX/2019 says that I was charged {$980.00} in interest and {$5200.00} went toward principal. When I look at the payment history ( and my own records ) between XXXX and XXXX the payments totaled {$1500.00}. Mr Cooper says everything is great- no errors! The normal monthly interest is around {$330.00}, not {$980.00}. This is all attached. 

Mr. Cooper also said my payment was late, charged me a late fee and I had ot contact them 6 times to get the issue resolved when it was obvious I made the payment ( it showed on their website with the right amount and date ). 

When you look at their website payment history or they send you " research '' it is ridiculous. They sent me my history and for XXXX, where I made ONE payment they showed over 20 transactions. It is impossible to see what it is going on and reconcile their records even with their own other records.
Product: Student loan

XXXX  does not help their  XXXX  customers. I 've been recently deemed   XXXX    XXXX  and they do not even offer you a reduced payment. I was told by a representative that I would have to pay my loans as usual regardless of my income. They are heartless people and I would never advise anyone to get a loan through them.
Product: Debt collection

XXXX XXXX and XXXX XXXX XXXX asked me for me social security number to try and file me on their taxes. Now I see this on my credit. I dont know what the company is or what debt is owed or why? I think they stole my identity.
Product: Debt collection

I requested a PPP loan. In so doing, I represented that I had payroll and 1099 documents supporting a loan request because at the time I specified my loan request, I understood that 1099 payments were also the basis for a forgivable PPP loan. I was given money that was based on the documents I was asked for and provided correctly. In asking for documents and approving a loan based on documents that did qualify and then disallowing the rules and regulations to protect my loan and rights, Bank of America operated in a fraudulent and negligent manner. 

BofA did not act in good faith. It did not perform a good faith review of the calculations or of the uploaded payroll documents. If it had, it would not have issued an unforgivable loan based on uploaded 1099s rather than uploaded payroll payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX Last four of social : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681 c-2 ) that you, the XXXX credit reporting agency , XXXX information services , and Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of several accounts from XXXX  XXXX XXXX XXXX. bal. {$61000.00} opened XXXXXXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX bal. {$1000.00} XXXX # : XXXX, XXXX XXXX XXXX bal. {$24000.00} XXXX # : XXXX, and XXXX XXXX XXXX XXXX bal. {$100000.00} XXXX # : XXXX. Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX lending services, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries being maintained by you were not opened, made or initiated by me. All of the listed accounts are the results 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I deposited an tax rebate check form the state of New Jersey on XX/XX/year>, It was then " rejected '' on XXXX and the funds were taken out of my account. They were never able to explain why it was rejected. I did a check tracer with NJ to see if they could issue a new check, they say that the check has been deposited. SoFi then deleted all evidence of the transactions
Product: Debt collection

Synchrony bank calls me everyday sometimes two to three times a day I have a settlement with them that I have until XX/XX/XXXX to pay so why they insist on calling me
Product: Money transfer, virtual currency, or money service

Cash App has no customer service and unfair practices which violate my rights and the consumer financial protection act ( CFPA ). They closed my account with no justification asked me to wait days with no response as to why in months. Also cash app hasnt responded well to fraud or access which made my account probably be closed once I mentioned it to an agent. Agents arent ( 24/7 ) as they say they are either. Their dispute process is unfair and they dont have a way to get it throughly check either and they have been deceptive in every single way to undermine the process which goes against the EFTA AND REGULATION E. Its an unjust and has caused me financial lost including family who was under my account. I am seeking for appropriate consequences, action redress to the situation.