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

After logging into my XXXX account I noticed an unautorized charge from Affirm Inc. on my account showing an unpaid balance of {$1500.00} with a past due amount of {$280.00}.

The Affirm Inc. account number, according to the XXXX website is XXXX which, according to their website, was opened XX/XX/2022. I called Affirm Inc. and they have no record of me, my phone number, or the loan number.
Product: Credit card or prepaid card

I have two accounts with XXXX XXXX. However, XXXX XXXX has completed an illegal search of my family members and is harassing them. XXXX Is call my senior family members 4 to 6 times a day SIMPLY because the persons share my last name.

Note that The family members are NOT listed on my accounts, anywhere.

The family members are NOT authorized to use my account.

The family members do NOT have accounts with XXXX.

I have never lived at the addresses of the family members The family members phone numbers were NOT provided to XXXX XXXX   by me.

XXXX XXXX has all my contact information.

The senior family members simple share my last name.

How is it acceptable to harass seniors because they share my last name?

Calling 4 to 6 times a day, for no reason.
Product: Credit reporting or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 

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

Good day! I am presenting this complaint to you as the assurance that the Credit Bureaus will REMOVE these accounts listed in this complaint that were reporting in my XXXX and Equifax XXXX XXXX. I am just following up for my previous complaint. I am kindly asking the XXXX and Equifax Credit Bureaus to please remove these remaining listed accounts from my credit reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX File : XXXX Re : Account : XXXX Account XXXX ( Under maiden name, XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX  continues to report incorrect information on my credit reports. This was a car loan for a car that was a total loss in an accident and paid by my own insurance, and by GAP insurance provided by the lender. When the loan was paid off, I received an overage check that is attached. This should serve as proof that the account is paid in full, not charged off and should have no late payments since the payoff date of XX/XX/XXXX. 

Please remove this item from my credit report using the attached canceled check as proof of payoff. Thank you. 

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

XXXX XXXX : XXXX XXXX XXXX : XXXX LexID XXXX I have found several inaccuracies and unauthorized inquiries on my LEXIS-NEXIS consumer report. I would like each of these in accurate injuries of information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. 

These concerns must lawfully be addressed within the next 15 days. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account information XXXX XXXX Account number XXXX Account charged of collection 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account information XXXX XXXX Account Number XXXX Status Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX XXXX XXXX must be removed from my XXXX and XXXX other versions of my consumer report My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX, XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, XXXX, shall be liable for violations of TILA, FCRA, GLBA,, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant. Your prompt attention and response are both requested and required
Product: Mortgage

Bank of America is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to Bank of America including the XXXX Certification, XXXX Certification and Occupancy Certification form. I have not received the full extinguishment as promised by Bank of America and have been waiting. 
Under the XXXX Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program ( HAMP ), a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX Standard Modification requirements. When a borrower 's XXXX lien is modified under the XXXX Standard Modification requirements and the first lien satisfies the HAMP eligibility criteria, the XXXX servicer must offer to modify or extinguish the borrower 's second lien under XXXX. 
I was told that through the extinguishment program, Bank of America will report to the major credit bureaus that the my second lien mortgage is now " paid and closed '' and has a XXXX balance.
Product: Checking or savings account

On XX/XX/2019 my card was used inside of an airport in XXXX. at the time i received a call from BANK OF AMERICA asking me if i was the one who used the card. i responded to them 'NO '' they thanked me and told me they would send me a new card stop the old one from being used. at the time of the incident i told the bank that the card was in XXXX XXXX and i was in XXXX XXXX Nevada. they asked me to confirm i had the card in my possession, so when i returned to XXXX XXXX i contacted the bank and told them that my card was here in my office. ever since i have opened up 5 claims with the bank and all 5 have been denied. 
the transactions go as follows ; XX/XX/2019 {$27000.00} XX/XX/2019 {$820.00} XX/XX/2019 {$260.00} XX/XX/2019 {$880.00} XX/XX/2019 {$26.00} XX/XX/2019 {$7.00} i have contacted bank of america roughly 20 times regarding these claims and spent over 50 hours on the phone with them. they keep telling me that it is not fraud because the card was present at the time. the bank is telling me that it is impossible to replicate a card with a chip. i asked the bank to check the cameras inside of the airport, contact the vendors. i also told them i can provide them with proof that i was in the country at the time, and i also send them a formal letter explaining the series of events that took place. today i talked to them for another hour and they advised me that my claim was denied again. i got frustrated and decided to follow up with a complaint
Product: Credit reporting or other personal consumer reports

THESE XXXX COLLECTIONS, XXXX XXXX & XXXXXXXX XXXX  # XXXX OPENED DATE : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX OPENED DATE : XX/XX/year> XXXX XXXX XXXX XXXX ACCT # XXXX OPENED DATE : XX/XX/year> ARE ALL ACCOUNTS OPENED BY IDENTY THEFT IVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE I GIVEN ANYONE PERMISSION TO DO BUSINESS WITH THUS COMPANY USING MY PERSONAL INFORMATION!
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 U.S.C 1681 proves that These persons have violated my rights. 

XXXX XXXX XXXX XXXX account number XXXX amount of {$3900.00} closed XXXX XXXX XXXX 

XXXX XXXX  account number XXXX amount of {$980.00} XXXX XXXX XXXX XXXX account number XXXX amount {$2100.00} are all in violation and do not have my written permission nor the right to furnish inaccuracies on my consumer report. 

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 agency can not furnish an account without my written instructions.

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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate. 

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
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. 
XXXX XXXX XXXXXXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX has violated my rights Account Number XXXX, has violated my rights Account Number XXXX has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that the item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the results of the re-investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified from the file of the consumer.

( iii ) According to 15 USC 1681s-2 they are suppose to 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: Bank account or service

I was taking money out of a Chase ATM Machine at a Chase Bank on XXXX XXXX in XXXX Ohio XXXX XXXX, 2016 at roughly XXXX. During the transaction, the power failed at the ATM, debiting the amount, while not giving me my money ( Approximately {$120.00} ). I immediately called Chase, who told me I would receive my money " within 12 hours '' and an email confirming it would be sent, which I never received. 2 days later, without the money, I called again, and was repeatedly told " another 24 hours ''. 

This happened for 3 consecutive days, being told my " money was in the process of being transferred ''. Each time I was told to wait, in that " 24 hours '' my money would be refunded. 

Finally, after over a week of no information, I demanded to talk to a superior. I was told the investigation was completed, and that my money *should* have been issued, but for whatever reason, it was n't because of an " unspecified error '', but they would offer me " conditional credit '' that they would give me, but take out in 7 days. I declined, as this is not a conditional credit since the matter was already resolved through investigation. Throughout this entire process, I was never told once about the Consumer Protection Act or any other remedies to this. That I would " have to wait until their computers figured it out ''. 

Demanding some sort of written confirmation, I was sent an email confirming that the investigation was completed 5 days after the transaction, and that the amount should have been immediately credited, which it was not. According to the Funds Transfer Act, the money should have been credited then ( I will be including the email ). 

Today, I called, a full 12 days after my money was taken, and was told it will take " another 48 hours possibly '' to get the money, although at this point, I have no faith that the bank will fulfill its promises to me, and they refuse to give me any written confirmation that the money will be returned. Every time, Chase confirmed that the money was not refunded, but could not give me a reason why. 

I have included the image of the email sent by Chase, confirming the investigation was completed on XXXX XXXX, 2016, as well a read-only XXXX file from the Bank, including all my transactions in the period XX/XX/2016-XX/XX/2016, confirming that the amount was not refunded.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXXXXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXXXXXX have resulted in undue harm to my financial reputation and stability. 
XXXX XXXX XXXX Balance Owed : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX a representative from Personal Finance Company called me from XXXX, MD. She called threatening that they are going to garnish my wages. This has caused me a lot of stress. She called again on XX/XX/XXXX. I feel like I am being harassed and bullied by this company.
Product: Mortgage

When I closed my loan with XXXX XXXX on XX/XX/XXXX, they promised me that as soon as my property appraised at 80 % LTV that my PMI would be removed. My property quickly got to that point. So I called the Loan servicer and sent a check for {$150.00} to get the PMI removed. They cashed the check. Then they told me that XXXX required 2 years even though my property was worth nearly double the original purchase price. The loan officer either deliberately lied to me or was unfamiliar with the terms of removing the PMI. Then in XXXX of XXXX I called back to get the process in place and again I sent a check for {$150.00} for an appraisal, along with comps and yet again the check was returned and I was told I couldn't start the process until XX/XX/XXXX. Since XX/XX/XXXX I have called Lakeview Mortgage company serviced by " loancare '' at their customer service # every day and the loop of voice prompts never leads me to a live person and eventually hangs up on me. That # is XXXX. 

Additionally, the estimate for real estate escrow from the original loan was over {$10000.00} off for year two, so I had to increase my escrow payment to make up the difference by {$800.00} per month for the past 12 months. That 12 months has ended and I want an adjustment made to my monthly payment. I have sent several emails through on their website https : //lakeviewloanservicing.myloancare.com none of which has seen a reply. 

Buyer beware with XXXX XXXXXXXX XXXX in house mortgage company and their mortgage partner Lakeview.

Original Mortgage company thru XXXX XXXX was called XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial has been Harrassing badly. This company has been threatening me over the phone.They have been giving false balances to the credit agencies. They lied and stated to XXXX that I was included in my bankruptcy they werent. When my score goes up they report a fake balance. When ever I do a review on XXXX or XXXX they follow me and report and increase to the credit bureau. They filed bankruptcy and still want me to pay.
Product: Vehicle loan or lease

Attempted to make payment on my account back in XXXX. Despite having the balance in my bank account, the payment was returned. I attempted to make the payment again and was unable to due to some system error. I called and attempted to make the payment over the phone and they got the same error and said to wait and try again. I did that and it still didnt work. I tried to use a different payment method and had the same result. A week later I tried again and it worked. They reported my payment as missed. I attempted to correct this with them and they told me I could have made a payment in other ways, such as in person. There is no physical location within hundreds of miles of my home, and was not made aware of any other method of payment prior to this point, or at that point, my only given option being try again later. I spoke to someone higher up to try and resolve this and they requested bank statements from me, which I provided, and emailed later to ask if they had received it and never got any response back. I assume at this point they are trying to just ignore my claim that I was unable to pay due to factors beyond my control and are just moving along
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep all of my credit frozen. TransUnion had and still has an error on it's website that prevents the freezing process. 
In XX/XX/2022 I had my HVAC  replaced and I did get a home improvement loan with XXXX. 
Afterward I was able to refreeze my credit with all the bureaus except TransUnion. 
Due to this the following fraud happened : The HVAC  went fine and it was explained that the loan would not occur until after installation, which is exactly how things happened. It was installed, XXXX  called to verify installation and I received the loan documents to sign. 
A week later a sales representative from XXXX XXXX came to my home. 
I decided to pursue this for the betterment of my future and the Earth 's wellbeing as well. 
The salesperson got on my WiFi, he got on my XXXX to check my electric bill history. He explained the loan would be the same bill for the life of the loan and electric would only continue to increase. 
He said the loan would not start or be signed for until after installation, which was my current experience with my recent HVAC installation. 
I had no reason not to believe him. 
I thought my credit was frozen anyway. 
So, I answered questions, there's an amount of trust that goes with allowing a person into your home and to make structural changes there. 
I had no reason to believe this person was going to do things against my consent and to defraud me. 
Afterwards, the installation never occurred fully. 
I told the finance company who called, XXXX XXXX, that the installation was not completed. 
They paid anyway ( you can read more about this in my complaints on XXXX XXXX ) to which I immediately began reaching out in writing to them to dispute this. 
At this point I realized something was wrong with my credit freeze.

I checked and the only one open was TransUnion. 
I contacted them via XXXX because their website had serious issues and the contact form did not even work. 
Their response was non existent. 
I contacted them three more times, in addition sending handwritten letters and documents proving that this loan was not ever accepted nor agreed upon by myself. I explained the TILA violations and the fact that I never signed for anything with this company.

TransUnion kept putting the item back on my credit report despite all of these facts.

Not only can I still not manage anything on my credit report from TransUnion but their site is basically inoperable.

It seems they are a scam company attempting to defraud Americans.

Please do something to shut down TransUnion.
Product: Debt collection

On multiple dates ranging from XX/XX/XXXX to present I get multiple phone calls a day from PRA Group, INC. Phone numbers all come from various parts of the nation from multiple area codes. Most recently from an XXXX number. I have no outstanding debts with this company and when I try to call any of their numbers back or when I answer the phone there is music playing and I usually hold off for a few seconds then hang it up. This company is harrassing me and call at the most inconvenient time including while I'm sleeping in the early hours of the morning starting around XXXX XXXX. I want this investigated please.