23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX acct # XXXX and account # XXXX is a debt buyer company that came out the blue saying I owed this money to them since XXXX never ever had any dealings with this company ever. Ive reached out to all 3 credit agencies about removing this and still no answer Im believing that when the agencies had a credit data breach my data was involved in this matter according to 15USC 1681b I should be protected I still old companies on my report thats paid for years and charge offs thats there as well and this been for years. I would just like to have all old items removed and Jefferson capital as this starting to become very stressful for my future with buying a home and is a setback if your organization can help with any of this it would be great and very appreciated. I do feel it was a breach data from the agencies that got me jammed up as well, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report and XXXX and Equifax are CLEARLY breaking the law and I have talked to Special Handling several times and nothing has been done. I have filled out a police report and have created TWO FTC ID Theft affadavits since both credit bureaus claim that either the account number or the amount was incorrect on the account. 

I clearly asked for a Identity Theft block under FCRA 605B and neither bureau is complying, which is a violation of the law. I have sent proof of my identity, and submitted everything the law asks for in order to have this account blocked and there is no reason it should still be on my credit report. 

I have sent a copy of the FCRA law that I am referring to and it PLAINLY states that this account should be blocked. Noncompliance is a direct violation of Federal Law.
Product: Checking or savings account

I was banking with navy federal, I had fraud done to my account, I lost all my money and navy federal said they couldnt reimburse my money. When I was trying to figure everything navy also took my check that was deposited into my account because the account was negative due to the fraud that was done. I had to close my account and didnt get none of my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; Transunion payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. XXXX   payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from Transunion. XXXX payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.
Product: Checking or savings account

In XX/XX/XXXX a check book for my son 's and my account was stolen and he reported it to Chase and blocked those checks. From XX/XX/XXXX to XX/XX/XXXX XXXX of those checks ( with check numbers between XXXX and XXXX ) with amounts from {$500.00} to {$1000.00} were fraudulently cashed, with most not even having a signature. 
My son reported this on XX/XX/XXXX and only the last check amount was refunded. Chase wouldn't even refund the {$800.00} check cashed on XX/XX/XXXX ( which didn't even have a signature ) claiming that the fraud wasn't reported within 30 days of the initial fraud transaction. 
When questioned about XXXX ) why the cancelled checks were cashed, XXXX ) why checks without signatures were cashed, and XXXX ) why even checks cashed within 10 days prior to the fraud being reported weren't processed they said that checks are only blocked for XXXX year and since the checks were cashed at a different bank, they were not responsible for missing signatures or signatures that didn't match.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XX/XX/2021.
Product: Mortgage

The bofa employee has no knowledge of loans and reads through a script unable to answer questions. The program for minorities is only offered in XXXX XXXX XXXX where its a XXXX dollar home that was once $ XXXX in the 1950. This is purposeful unethical business practices. I make $ XXXX a year and can not afford XXXX market. 

These impossible programs designed to help people are just a disgrace and help no one. 

Please correct their false, corrupted, and unethical business practices. 
They downsized their mortgage departments, advertising false programs and stealing data and credit reports. Marketing high interest cred cards. 

Terrible and unlawful business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL ALLEGED UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF THEM
Product: Credit reporting or other personal consumer reports

Unauthorized Loan and Account Opened in My Name Hello, My name is XXXX XXXX, and I recently discovered that a loan has been opened in my name without my knowledge. This unauthorized activity has also appeared on my credit report. I urgently need to discuss the details used to open this account and report it as fraudulent. Please contact me via email or phone at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On the evening of XX/XX/18 about XXXX XXXX I tried to open a savings account with my current bank of 8 months -- XXXX  XXXX XXXX. The account was approved and I XXXX from XXXX of XXXX tried to transfer XXXX from my Premiere Net Spend XXXX debit card. He informed me that the transaction would not go through because XXXX doesn't like or take that type of card from that institution. I've never run into this type of problem with my Net Spend debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. What happened next is Netspend ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. Netspend will not give it back with out XXXX writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, XXXX, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a text message from who I believed to be my bank informing me that someone was attempting to send a XXXX transaction in the amount of {$3500.00} and to reply " NO '' if I did not authorize this transaction. I responded no and shortly after ; I received a call from someone who I believed to be a Bank of America rep. I was placed on hold for the " rep '' to cancel the XXXX transaction. When the rep returned to the line, he informed me that while attempting to stop the XXXX transaction, someone was attempting to send a wire transfer for a large amount of money. I told them that I did not approve any wire transfers. The representative then began to walk me through a process that would stop the transaction, but he was really walking me through how to send a wire transfer. I was under the impression that I was being helped, and the scammer cleared all of the money out of my account in the amount of {$5700.00}. I was told to transfer all of my savings to my checking which was a huge red flag, but the scammer was very professional and seem to be helping me. I am filing the complaint today, because my bank notified me on XX/XX/XXXX that they were not successful in recovering my funds. To me, this is completely unacceptable. I have been banking with Bank of America for XXXX and never had many issues, but this situation has made me consider switching banks all together. This has caused me plenty of pain and suffering and a complete hardship due to this scam happening XXXX before my son 's birthday, and a month before XXXX. I am aware that scams happen every day, but {$5700.00} is a huge lost to take for a single mother of two young children. I have been doing research and before taking legal action this seems like a great way to settle without the hassle of the courts. While researching, I came across the XXXX which is the Electronic Funds Transfer Act that protects Consumers from scams just like mine. This act holds the bank accountable to return the funds to Consumers for unauthorized transactions. As long as the transactions is disputed within 60days, this act protects me and my funds. The bank was notified within an hour or XXXX on XX/XX/XXXX, the day that the scam occurred. I did allow the bank to do an investigation as their due diligence of the claim that I filed, but because they were not able to recover my funds, I would like to begin taking the next steps. I did report this incident with the XXXX Police Department on XX/XX/XXXX as well. The indecent number is XXXX and the detective 's name is XXXX XXXX. Her contact information is XXXX and her email is XXXX if you need to contact her for any reason. I will not give up until I receive my funds, so I really hope that you guys can help! I appreciate your time and hope to hear from someone soon.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, ( Self Financial/Lead Bank Account XXXX XXXX ), has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Mortgage

Client is trying to sell home that is in foreclosure but the equity loan was sold from XXXX to Trinity Financial they sold it to some third party but there is no assignment, power of attorney or servicing agreement so client can not sell because the title company can not locate mortgage person or paper work between Trinity and the party they allegedly sold it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  ( XXXX XXXX # XXXX ) - ( XXXX  XXXX XXXX XXXX XXXX ) - ( XXXX XXXX XXXX # XXXX ) - ( XXXX XXXX XXXX  # XXXX ) - ( XXXX XXXX # XXXX ) - ( XXXX XXXX  # XXXX ) - ( XXXX XXXX XXXX # XXXX ) - ( XXXX XXXX XXXX # XXXX ) - ( XXXX XXXX XXXX XXXXXXXX # XXXX ) XXXX XXXX XXXX XXXX  # XXXX ) - ( XXXX XXXXy # XXXX ) - ( Regional XXXX XXXX # XXXX ) - ( The 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 an account without without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that I should be liable for the amount that they are saying I owe them. The original amount {$2200.00} that was given to me when I declined the " chance to not upgrade my vehicle '' and the poor customer service I was given that day. I was provided documentation which states the amount that was given to me. They then reported an amount of {$4900.00} to the credit bureaus. I contacted the company and spoke to XXXX who indicated that I owed over $ XXXX. She then sent me the documentation indicating I did indeed owe over XXXX. With the lack of correct information that has been given to me over and over with this company proves inaccuracy. Again I am requesting for it to me removed from all three credit bureaus as they have proven inaccuracy numerous times and Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.
Product: Credit card or prepaid card

Got a letter from Bank of America saying that they are working on an credit card application under my name for the XXXX XXXX XXXX XXXX XXXX XXXX ( R ) and need to verify the info on the application. 
I called my bank and let them know that I didn't apply for the card and that my identity info have been compromised. I request them to cancel the application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inquires on my credit report that I did not authorize and am listing them as follows : XXXX XXXX  XXXX & A, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. These companies were not authorize nor was I extended any credit for these inquires.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA and Regulation E. These Actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial contact with XXXX and XXXX was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from Vehicle Solutions Corp was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. XXXX and XXXX sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to Vehicle Solutions on three separate occasions requesting that they remove the account from my credit reports. To date Vehicle Solutions Corp is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this XXXX, Vehicle Solutions and XXXX.
Product: Debt collection

I claim my name, I claim my mind, my soul, my spirit, my birth record as a member of one heaven, and I reject any assumption or presumption of being considered property within a trust under a UCC ; Uniform Fraudulent Transfer Act ( TUFTA ). It involves transferring assets or property with the intention to hinder, delay, or defraud creditors, which is essentially what the act aims to prevent or remedy. The Fraudulent Transfer Act. Could you please provide the documents related to how you comply with accounting standards such as FIN 46 ( XXXX ), IAS 32, IAS 39, IFRS 7, and regulatory codes like Basel II? Specifically, I am interested in understanding how you handle the consolidation of Special Purpose Vehicles ( SPVs ) in line with FIN 46 or IAS 32/IFRS 7 guidelines, and how you ensure compliance with risk measurement and capital requirements as per Basel II . the practice of treating Asset-Backed Securities ( ABS ) transactions as off-balance-sheet items might be considered fraudulent under certain conditions. mens rea In All True-Sale, Disguised Loan And Assignment Securitizations, The Conflict Of Interest Inherent In The Sponsor Also Serving As The Servicer, Constitutes Fraud And Conversion : 15 U.S.Code 1681g 15 USC 1681g 1681g - Request for a full file disclosure and the sources of its information.
Product: Debt collection

The company has harassed me multiple times trying to press charges and take legal action the charges on my credit are incorrect my name is XXXX XXXX they saying XXXX XXXX they went against the credit act and they threating me Im honestly scared and want to get a lawyer theyre scaring me for something I didnt do In accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received an alert from XXXX notifying me that there was a collection posted to my credit report on XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX is the the collection agency. The collection Amount is {$2100.00}. On XX/XX/XXXX, I contacted XXXX XXXX at ( XXXX ) XXXX to find out what this was about. I spoke with XXXX at XXXX. She informed me that this collection is in regard to XXXX XXXXXXXX XXXX received by XXXX XXXX on XX/XX/XXXX. I informed her that I'm not XXXX XXXX, nor do I know any XXXX XXXX. I also informed her that I have never received any XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX informed me that she would have this collection removed from my credit history. Prior to this collection posting on my credit report, I have never had any communications with XXXX XXXX or XXXX XXXX. This has negatively impacted my credit rating and damaged my credit score significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Keeps trying to get me to pay for my annual credit report. If I try to get free annual credit report it keeps saying that an error occurred. I can't even view my disputes! This has been over a year!
Product: Debt collection

Im accordance with the fair credit reporting act. Convergent outsourcing inc. client account # XXXX convergent 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 1681 section 604 A. Section 2 : it also states a consumer credit reporting agency can not furnish a account without my written instructions
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 items:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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

I am formally requesting this letter to UPDATE the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : Experian : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$430.00} XXXX : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$430.00}. In addition, please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate accounts information as quickly as possible.