23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I noticed an account associated with XXXX XXXX  on my credit report that I did not open or authorize. According to my credit report, the account was opened on or around XX/XX/scrub> 2021. The account is reported as a secured loan with a balance of {$15000.00} and a past-due amount of the same figure, but the details vary significantly across the three major credit bureaus. 

The discrepancies include : XXXX. The Date Opened is listed as XX/XX/year>2021, by XXXX, but Experian and XXXX report it as XX/XX/scrub> 2021. 
XXXX. The account is listed as Derogatory by XXXX and Experian, while XXXX reports it as XXXX. 
XXXX. The reported balance is {$15000.00} on XXXX and Experian but {$0.00} on XXXX. 
XXXX. The High Credit amount is reported as {$21000.00} by XXXX but {$0.00} by Experian and XXXX. 

I have never applied for or authorized this account, and I suspect it was created fraudulently. When I discovered this account, I immediately reviewed my records to confirm that I had no affiliation with this account or XXXX XXXX. I also filed a report of suspected identity theft and began contacting the necessary agencies to dispute this information. 

The inaccurate and fraudulent reporting has negatively affected my credit score and caused unnecessary stress. I request that this account be fully investigated and removed from my credit reports to prevent further damage to my credit profile. Additionally, I would like the reporting agencies to notify any company that has accessed my credit report in the last six months of the corrected information. 

Thank you for your prompt attention to this matter.
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.

CHILD SUPPORT XXXX XXXX : XXXX, XXXXXXXX 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: Credit card or prepaid card

I was notified by letter I received on XX/XX/XXXX that was dated XX/XX/XXXX that my AT & T Universal account that I have had since XX/XX/XXXX had been closed because it was inactive for more than 2 years. In fact the account was last used XX/XX/XXXX so it has not even been 2 years. 
I called that evening and asked it to be re-opened, and they said all I had to do was request it. I did that. 
Then I received two letters on XX/XX/XXXX. One was dated XX/XX/XXXX that the account could not be reopened as it was a joint account and then the second one dated XX/XX/XXXX that Citibank needed to access my credit information at XXXX which was blocked and that I needed to unblock it and call Citibank back when I did that. 
I contacted XXXX and unblocked my account and called Citbank back, but was told that it could not be re-opened anyway. I would have to reapply for a new card. I did some research and double checked the last time the card was used. Indeed it has been less than 2 years. 

I called again this evening and spoke with a representative who reiterated that the policy was a 25 month period of inactivity was grounds to close the account. I pointed out again it had been less than that, and he checked and verified that the last use was XX/XX/XXXX. Despite that he said now that the account was already closed, there was nothing he could do but I could reapply for a new card. I asked for a supervisor and XXXX ID XXXX also confirmed that 25 months of inactivity was the policy, but she couldn't do anything either because the account was already closed, and I would have to reapply for a current account because this was a " grandfathered '' account they don't offer any more. It was the introductory offer when AT & T first offered the card. 

It is clear that Citibank violated their own policy, and the account closing was unjustified. Citibank seems to want to get rid of the old agreements in favor of new ones and will go to unfair lengths to do just that. It should be their responsibility to reinstate the account exactly as it was because it had not been a long enough period of inactivity. Additionally the notification of the closing was deficient as well because even a simple notice would have precluded all of this which is apparently their goal. The application of this inactivity criteria is unfair and deceptive, and was intentionally applied incorrectly to end a credit agreement. The reinstatement process is a sham as well requiring ineffective calls with long periods of silent holds to wear out the consumer. The call ends in asking me to reapply from the beginning for one of the newer products which seems to be their goal all along.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the three major Credit Bureaus , TransUnion , XXXX and XXXX . I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last three months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a.

PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as TransUnion, XXXX and XXXX. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card on XX/XX/2017 for XXXX XXXX under Citibank ( XXXX ). The employee made a mistake and used the wrong person 's information but with my social so a credit card was opened in my name for the wrong person. When I contacted XXXX XXXX they cancelled the card as fraud and I reported it as fraud on my credit report. Then XXXX XXXX opened a new credit card account for me that was in my name. 

However, all 3 credit agencies were only showing the closed account. They were not showing the good standing account, which would increase my credit score if it showed. 

I opened an investigation with XXXX. Upon completing the investigation I received a letter in the mail saying they're no longer reporting the closed account and they're only reporting the good standing account to all 3 credit bureaus. Since then, XXXX  and XXXX  have removed the closed account and are showing the good account, just like I wanted. However, XXXX  is still showing the closed account only. When I called them to ask about this the representative I spoke with said he can see the good account from his end but I can't see from my online account because only employees have access. But, he said he's not sure what it would take to get that to show on my official report and remove the closed account so he transferred me to a supervisor. The supervisor then said what the previous representative told me is inaccurate, that he would be reprimanded for telling me he can see the good account, he doesn't see the good account and that they're only showing what XXXX is reporting them and I need to reach out to XXXX and there's nothing else they can do for me. 

So I'm at an impasse where XXXX has provided proof in a form of a written letter they're reporting it to all 3 agencies. Evidence of this is that both XXXX  and XXXX  reflect the change but Transunion does not and they claim there is nothing they can do. This is my last step before filing a lawsuit against Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/XXXX
Product: Debt collection

So i lost my wallet back in 2012, sadly i had my SS card in it along with my ID. i was currently still under my mothers phone plan so i didn't try to get a phone in my own name but a few years down i tried to go on my own and they said i got denied no telling me at the time nor did i really look into why. So recently i had XXXX XXXX  help me out with my credit and they let me know all these collections on my credit from all these phone companies were in my collections so i let them know about what happen and they said they sent letters to the collection agency that had this collection and they did remove one of the collections on my credit but its a total of 5 accounts through out my 3 credit bureaus that is posted for collections and i feel that all of them should be removed completely because none of them are mines.
Product: Debt collection

Sent debt letter confirmation and no one responded with original contract or my signature. I never owed a XXXX phone before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were 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, XXXX, and TransUnion was XXXX, XXXX, XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 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 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 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 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 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 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 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 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 card or prepaid card

XX/XX/XXXX I submitted a REGIONS complaint CFPB XXXX of NO RESOLVE ID THEFT FRAUD this is * Still OPEN * REGIONS NO RESPONSE. 1 )  Regions sent me to collections for ID THEFT FRAUD beginning XX/XX/XXXX. 2 ) Regions does Not resolve fraud. 3 ) Regions does not respond to complaints to CFPB. 4 ) Regions provided NO ACCESS OR XXXX XXXX OPTIONS FOR MY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in late XX/XX/XXXX, my mortgage company Ocwen, offered to modify my mortgage so that I would not lose my house. During the process, the representative advised me not to pay my current monthly bill until the modification was completed. I did as advised and withheld payment until the modification was accepted and complete, but then noticed on my credit report that they were reporting me 60 and 90 days late for the time period that the representative told me not to pay. 
I have contacted Ocwen, and requested that they change those 2 months ( XX/XX/XXXX and XX/XX/XXXX ) to " no report '' instead of late, as it was their representative who advised me to be late.. They refuse to help. 

Unfortunately, the conversations with the representative were only verbal. I don't have dates or the person I spoke to as it was 2 years ago.
Product: Money transfer, virtual currency, or money service

I was contacted in reference to a wanted ad on XXXX XXXX XXXX said he had what I was looking for and supplied pictures to my XXXX account. We agreed via email and on the rcgroups site to {$200.00} dollars, he said he took XXXX and provided XXXX as the address to send the money to. After I notified him that the money was sent via Navy Federal Credit Union and XXXX XXXX from within site, he said he had received it and would ship the item, I have not heard from him since and he will not return emails or Chats I have sent to him or XXXX XXXX. 
I would like to track down as much information as I can try pursue a small claims court case. 
People in scam : XXXX XXXX XXXX XXXX XXXX XXXX So Far I have not been able to get any information I can use to backtrack to the individuals behind the email address to create a court case thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of all of the money in my banking account through cash app on XX/XX/2023. All of the money I had was supposedly sent to one of my contacts. This contact immediately let Cash app know this was a scam. 14 days later they sent a decline letter to my contact. She was trying to get them to return my money to me. She received a call from the scammer the same day ( the XXXX ) trying to convincer her to transfer the money. She hung up on them .The money immediately disappeared from her account as soon as she let cash app know that she thought it was a scam. I filed a complaint with cash app the next day by phone. I was told I would be notified by email in 10 days. I calld after 10 days. I was then told they had to transfer it to another level because of the amount of money.I did not here anything.I called and was hung upon twice after being put on hold. The third time the person told me. the claim had been denied on the XXXX of XXXX, When I asked how this could be. It happened on the XXXX. They hung up on me. My bank has charged me for several checks insufficient funds.I believe cash app has my money. It was all the money I had. I am a XXXX XXXX XXXX social security recipient. I can not make this money back.
Product: Checking or savings account

I am writing to express my profound distress and dissatisfaction concerning the unexplained closure of my account on XX/XX/XXXX. Upon noticing the closure, I immediately sought clarification from a local banker who, regrettably, could not provide any reason for this action. 

Subsequently, after approximately ten phone calls to your customer service, I was informed that the closure was due to a transaction suspected of fraud. I wish to clarify that this transaction was a transfer from a friend whose credit card had been compromised. He was in the process of canceling the card and moving to another country, thus, he transferred the remaining balance to me. I firmly believe that no laws or regulations were breached on my part during this transaction. 

Each interaction with your account closure department has resulted in varying and inconsistent responses. On some occasions, I was told that my funds had been sent out ; other times, I was advised to present documentation at my local branch to prove the legality of my funds. However, upon visiting the branch, the local bankers were unable to find any channel to upload such documentation. I was even asked to fill out a form that does not exist, and sometimes, I was simply told to await further communication. 

This back-and-forth between phone service representatives and bank visits has happened around five or six times. The latest contact ended with the information that the investigation is ongoing and without any concrete timeline for the return of my deposits. 

I am left with critical questions : On what grounds are my funds being withheld? If an investigation is necessary, why is there no direct line of communication for submitting proof and evidence? It is unacceptable for the bank to retain my funds indefinitely, extending the timeline at their discretion. What if these were all my savings? How am I expected to survive without them? 

I urge you to address this matter with the utmost urgency. Please provide a direct channel for communication and a definitive timeline for the resolution and return of my funds. I await your prompt and positive response.
Product: Checking or savings account

I have tried to contact the institution for the past 2-3 weeks. Total consumer negligence. I have yet to hear back. 

Please call me at XXXX XXXX XXXX
Product: Debt collection

While my son and I were backing out of the driveway a towtruck swooped in and blocked the exit. The driver jumped out and started chaining my car to his truck, I got out of the vehicle and approached him and he punched me in the face calling me all kinds of distress. I am a wounded veteran with  XXXX  and a  XXXX   XXXX   XXXX  and having this happen caused all kinds of distress. The driver called me all kinds of names in front of my neighbors and continued to try to tow my vehicle with my son in the backseat. My wife called the police and the police made him release the vehicle to me in exchange for not pressing charges against the driver of the truck. I was left with no options due to the sergeants strong suggestion of not pressing charges. The driver continued to humiliate me in front of my house in the middle of the day, and the police threatened to leave me alone or they would arrest him. To this day I am still embarrassed to be seen by my neighbors. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX will not allow me to dispute this item that is now " Paid '' due to constant issues with them deleting the account history status that is recorded monthly since opening account of which caused a 'LOWER '' scoring model to be used on my credit report. It is showing " Missing Status History '' Currently but has been " Paid '' on XX/XX/2023.
Product: Credit reporting

XXXX student loan, sent me a letter agreeing to delete all XXXX accounts off of my credit report. I submitted a dispute with Experian and they have yet to delete the accounts. XXXX deleted the accounts off as agreed in the letter, what is the purpose of submitting documents with our dispute if they are n't going to abide by them. This is n't their credit report it is mines that I am working hard on getting cleaned up, are they following the rules and regulations like they suppose to be. Please help In this matter
Product: Credit card or prepaid card

I was charged {$1100.00} on from Comenity Capital Bank I did not authorize this charge. I authorized a charge for {$280.00} each month on the XXXX. I was incorrectly charged for the full balance due. The credit card company has offered a refund of {$1100.00} but will take up to 3 weeks to process. Again I did not authorize this charge. I called the bank as well to dispute the charge.
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it might be a temporary glitch, but the unauthorized inquiries didn't go away. This issue has left me feeling extremely disappointed, and I request that the documents I've submitted be carefully reviewed so I can stop worrying about this.
Product: Mortgage

Ocwen Loan Servicing LLC is ambiguous with their use of my money and can not justify how they are using/applying my payments. In addition to making my regular, monthly payments on my house mortgage, i also send additional payments to be applied to my principal account only. Every month, I send a principal ONLY payment and i call them, it reflects on my online account for one day and then the next day, the company reverses the principal payment in order to charge interest on the payment. Also, when i call customer service, they become aggravated with my inquiries and are unable to explain/decipher my payment history on their ledgers. Ocwen is committing fraud against their customers/consumers.
Product: Mortgage

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE BEEN IN ESCROW TO COMPLETE THAT TRANSACTION. BECAUSE OF BANK OF AMERICA 'S INCOMPETENCE, XXXX BUYER HAS WALKED AWAY. ON XXXX XXXX OF THIS YEAR MY REAL ESTATE AGENT FAXED INTO BANK OF AMERICA ALL REMAINING REQUIRED DOCUMENTS FROM THE BUYER. ON XXXX XXXX, XXXX, THE NEGOTIATOR COULD NOT FIND THE DOCUMENTS. FOR A COUPLE OF WEEKS WE WERE ATTEMPTING TO SEND AND VERIFY RECEIPT. THEY BUYER FINALLY CANCELLED. IMMEDIATELY AFTER THE BUYER CANCELLED WE INFORMED BANK OF AMERICA AND WAS FORTUNATE ENOUGH TO RECEIVE ANOTHER BUYER AT FULL LISTING PRICE. BANK OF AMERICA BLOCKED US OUT OF INPUTTING THE INFORMATION INTO THE XXXX USED FOR THESE TRANSACTIONS. IT WAS NOT UNTIL XXXX XXXX, 2015 THAT WE WERE ALLOWED TO INPUT THE NEW BUYER INFORMATION. BANK OF AMERICA DEVIOUSLY CLAIMED THE SALE WAS TAKING TOO LONG AND SET A FORECLOSURE SALE FOR XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.