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

On XX/XX/2022, I mailed a check from the corner of XXXX and XXXX in XXXX IL XXXX to a realtor in Maine for {$2700.00} in payment for a house rental. On XX/XX/2022, this check was deposited at the XXXX XXXX XXXXXXXX in XXXX by someone with a signature that was very hard to read, but looked like XXXX XXXX XXXX. 
Since this deposit was not even made in the State in which the payee is located, it was obviously fraudulently deposited ( probably stolen from the mail ). I complained to my bank, Chase, right away. They told me it would take 90-120 days to resolve. 
At this time ( more than 6 months later ), I am still waiting for resolution. Chase tells me they have submitted the complaint to the XXXX XXXX XXXX and requested the funds be returned, but XXXX XXXX XXXX has not responded to them. They have submitted the claim at least twice. Chase says there is nothing more they can do to reimburse me in the mean time. I have asked them to protect me as their customer and uphold the safety of writing a check on an account with them. They have said there is nothing they can do.
Product: Checking or savings account

I have a decade worth of fraud on my checking and saving accounts. I have proof that my devices were all hacked ( mobile device management ) but I am not understanding why NC SECU didn't catch the fact that my account was spending money in 2 cities, 2 countries, 2 states at the same time for the last decade. Also, no one was checking ID 's because there were large withdrawals at branches that were not, and could not be me. 

This created a substantial loss of funds due to the fact my " hackers '' ( ex-friends ) were laundering student loan money not only for me, but for others.
Product: Credit reporting or other personal consumer reports

There are ( XXXX ) Financial Institutions reporting accounts in direct violation of FCRA Section 6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information not be disclosed to such third party, and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
These ( XXXX ) financial institutions failed to inform principal that it would be reporting principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 USC 1681 ( a ) ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ) the term consumer does not include ( i ) reporting containing information solely as to transactions and experiences between the consumer and the person making the report. Remove the ( XXXX ) listed accounts from my consumer file. 
XXXX ) XXXX XXXX # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX XXXX XXXX XXXX # XXXX. 
In advance any accounts listed that are not removed/deleted I am requesting in this dispute a Description of the Procedures used to verify in accordance with FCRA 1681i ( 7 ) / FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).
Product: Vehicle loan or lease

A detective called my phone in XX/XX/XXXX and said they was doing a follow up of a stolen car and insurance report. They said that the number or email on the case was disconnected so they had to look me up by my license number and my background information. I told them my car is not stolen and I never did an insurance claim, they asked me what kind of car I drive I told them and they told me to hold on. They told me verify my information and they said someone stole my information and must have got a car in my name. They told me they are looking into it and to check my credit report. I looked but a car wasnt there. I received a report in the mail a week later from a detective in California bc the car was on a be on the look out and I called them and they said they are working with the detectives in XXXX already. Since I didnt see it on my credit report I took it as maybe its mistaken. I checked my credit report XX/XX/XXXX and see the car and several accounts are open from on my credit profile. I called every account they said that they used my id number but the picture I sent of me is not on the id and the social security number is not the one I provided. So Im confused why are they putting it on my social security. I filed a ftc and a police report. This is just a nightmare bc now my credit has so many reporting accounts and addresses and its ruining my life and I have a freeze on my account so I dont know how this happened
Product: Credit reporting, credit repair services, or other personal consumer reports

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's XXXX XXXX to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.
Product: Money transfer, virtual currency, or money service

Two identical fraudulent transactions in the amount of {$260.00} each were made within minutes of each other from my PayPal issued Mastercard debit card out of the XXXX from the 'XXXX  '. I have attempted to rectify this with PayPal and they have denied my claim now on three separate occasions. They're reasoning is that since the funds were available then it could not have been fraud. Which is the most absurd display of incompetency I have ever witnessed.
Product: Credit card or prepaid card

I opened my account on XXXX/XXXX/XXXX with an initial credit line of {$20000.00}. On XXXX/XXXX/XXXX, I was granted a CLI of {$2000.00}, bringing my total credit limit to {$22000.00}. I use my cards responsibility by not overcharging, paying the bill in full each month and keeping low balances -- this has given me a credit score in the XXXXs. Unfortunately, it seems that Capital One does not feel that customers using credit responsibility deserve high credit limits. 
On XXXX/XXXX/XXXX, Capital One sent me an email saying that my credit limit had been reduced to {$10000.00} because : * Current account ( s ) not used enough for assigned credit limit ( s ) * Balance ( s ) on non-Capital One revolving trade ( s ) are too low If Capital One wanted me to use their card more or have higher balances on other cards ( which makes no sense as that would mean giving other more business ), they could have told me so that I could make arrangements to " fulfill '' their wishes. All my other credit cards have limits of at least $ XXXX, but Capital One is the only one who thinks I deserve less. When I spoke to the a rep about the issue, I was told this was an automated decision and made no attempt to save my business when presented with my intention to cancel my card over their unilateral decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just received an alert from Experian that might credit score dropped significantly due to XXXX XXXX inaccurately reporting that my credit card is maxed out when it currently has a positive balance of {$450.00}. This needs to be updated immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX This account should be reporting as " CLOSED, PAID AS AGREED ''. There was an UNAUTHORIZED charge made to this account in XX/XX/XXXX for the amount of {$130.00} by XXXX XXXX XXXX. XXXX XXXX XXXX was not authorized to process any payments on my behalf. I cancelled insurance with them in XXXX and have have no business with then since XXXX. See cancellation information. ALL derogatory information needs to be removed from my credit file immediately. XXXX responded that a correction was warranted on XX/XX/XXXX but have yet to update my credit file. It has been over 30 days. See letter from XXXX.
Product: Vehicle loan or lease

In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a  job offer. Proceedings were made with the XXXX XXXX XXXX XXXX XXXX to verify how the car that the bank could finance me move to there. The XXXX XXXX did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.
Product: Debt or credit management

The company is called Tomo boost I have contacted them many times asking them to close the account with them they keep giving me like a program message every time.I have recently sent certified letters asking them to close account with no preval this has been going on for around a month and a little more I owe nothing on this account and I want it closed before they try to take another {$80.00} from me please help I just want account closed that's all.There is no binding contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX  XXXX Bankruptcy US XXXXXXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy XXXX Reference # XXXX XXXX XXXX XXXX : XX/XX/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
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or other personal consumer reports

To whom this may concern ; This is not a third party filing this report. I am a Natural person and I am being taken advantage of by XXXX, Equifax and XXXX. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}.
Product: Debt collection

On XXXX XXXX, XXXX a man named XXXX XXXX from " National Service Bureau '', XXXX XXXX XXXX called from phone # XXXX. He stated that he was calling on behalf of XXXX XXXX XXXX XXXX XXXX in XXXX, NY to collect {$19000.00}. My Mother was a resident of XXXX for 22 months before I was able to find an apartment in my local Senior community in XXXX XXXX. During my Mother 's residency at BV, I paid rent every month ( paid invoices to show ) and am dismayed at the manner in which Senior Assisted Living Facilities in this nation are permitted to operate. 
Since I hired and paid XXXX independent XXXX care for my Mother in addition to paying BV rent, where did these suspicious charges come from? 
After moving my Mother out from BV in XXXX XXXX and in the XXXX of being pro active, I contacted the CEO 's office of XXXX XXXX Assisted Living in XX/XX/XXXX to learn of these questionable charges and spoke with the ASST. XXXX XXXX XXXX. In a cooperative effort and at XXXX 's request, I forwarded all email correspondences between the previous BV XXXX, XXXX XXXX and myself dated XXXX, XXXX. XXXX confirmed the receipt of said correspondences and stated, " let me contact the regional VP of XXXX and we'll get this sorted out ''. Months passed without any further communications between the BV CEO 's office and myself, so I was under the assumption that the matter was resolved. By engaging the services of a collection agency was her idea of a resolution? 
XXXX XXXX, from XXXX, threatened to collect the fictitious amount of {$19000.00} by stating, " I know you have property! '' With my XXXX newly deceased a month before, and the negligible treatment at XXXX during the XXXX out break, XXXX XXXX 's threats to collect were the limit! 
I thought threats from a collection agency were against the law? 
Please advise.
Product: Credit reporting or other personal consumer reports

I received a letter from ECSI XXXX XXXX XXXX, XXXX XXXX, PA XXXX stating that I woed a XXXX XXXX XXXX. 

I have no mempry of suchha loan, so I called to dispuste. They advised that this loan was taken out in XXXX and defaulted in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my memory is that my student loans have been paid. 

I checked my credit this morning and they are reporting the this loan. My understanding is that Federal student loans which have been reported to be in default for seven years or more must be deleted from a consumer 's credit record. Under the Department of Education 's Fresh Start Program specifically, the Department deleted reporting about loans that were delinquent for more than seven years. 

If by ECSI records the last axctivity was in XXXX then this is 30 years old and should not be reprted on my credit. I called ECSI today and they advised that they will not stop reporting and will do nothing about it. 

Please help me get it removed from my creidt. I have filed a disput with experion. Pleas let me know whatever further information you need.
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 XXXX and XXXX was XX/XX/2022, 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 proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting

I pulled all XXXX of my credit reports and My first mortgage with XXXX acct ending in XXXX is listed as well as my XXXX mortgage with XXXX XXXX XXXX Bank acct XXXX as being charged off on my Bankruptcy case # XXXX NVA dated XXXX 2009. I have never had any mortgage on my bankruptcy. I have contacted all XXXX and they have not removed this false information my mortgages are current and in good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and my boyfriend went through Lexington Law Firm to help with our credit and the company didnt do anything but take our money so we cancel after being with them for two years or longer.The firm was suppose to help get our credit score up so we could be approved to be able to buy a home.I know the firm wasnt doing what they said theyd do cause our scores never went up not even our score up a few numbers.We paid {$120.00} a month each for years and never ever seen any difference in our scores and when wed talk to them they would tell us I assure you that we are working on both of your score but it takes time. No all the firm done is take our money and did nothing to improve our credit.Theres no telling how many people the firm has and probably still doing this to.
Product: Prepaid card

On XX/XX/XXXX I bought a coupon book from XXXX rental car and I ended up using an alternate payment instead of using my Experian card and they're still holding the XXXX pending for 30 days now they're still holding that money I thought after 10 days the charge would fall off that's what hurts told me but it didn't fall off it's 30 days now and they're still holding my {$600.00}
Product: Debt collection

On Monday XXXX XXXX, I received a phone call at XXXX by a XXXX XXXX claiming to be a representative from NCB Management Services XXXX calling from a XXXX area code number claiming that I owe some debts but refusing to tell me what debts. I didnt tell me my name at all and the last XXXX numbers of the phone number were the same as my social security number which was weird.The next day at XXXX, I got another phone call from the same area code by the name of XXXX XXXX claiming tXXXX be a representative from the same company and again I never revealed myself knowing that it was a scam. The next day, I received yet another phone call from the same area code number by the name of XXXX but again I never revealed myself and instead I told them I was the clients power of attorney and they still refused to tell me the nature of the call. I havent been paying any of my credit cards due to not working and I havent got anything from any debt collectors yet. I got scammed twice in XXXX and learned my lessons and did some research of my own to see what to look for as far as scams. The phone numbers that the scammers called me from are : ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX
Product: Student loan

So I have, in the past inquired with Navient about a late fee that is always listed on my monthly statement as due, and has been for many years. The problem is, when I asked, I was told that " there 's nothing we can do because that late fee was assessed before consolidation. '' The problem I see there is that Navient is attempting ( through creative accounting ) to collect a late fee they are not entitled to. When the loans were purchased and consolidated, all amounts should have been consolidated. If a late fee was assessed by the prior loan holder, then how is it possible to just carry over and put it on top. If there are detailed records available dating prior to the consolidation, they would clearly show this questionable accounting. The payment due ( which is entirely a late fee ) is {$580.00}. My loans are currently in IBR with a payment of zero, but this total is apparently always due. I beg to differ.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required XXXX complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 


XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX