23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Approximately 3 years ago I had a report put on my credit report that is not mine does not belong to me. The report was placed by a company called XXXX XXXX it was for an amount of {$910.00} they claimed it was a credit card that I did not pay. I never ever had a XXXX XXXX credit card ever. I proceeded to contact them and ask why they claim this belonged to me they said because it does. I asked numerous times for them to send me real proof or why they claimed it belonged to me. To this day they never have sent me any thing not one thing. This is because they can not they have nothing that proves this card ever belonged to me. They reported this to all 3 credit bureaus I proceeded to dispute this with all 3 of them. I asked them to give me proof or the proof they had that showed this to belong to me. After several investigations by XXXX they determined this did not belonged to me and they removed it. It took almost 2 years of filing and re-filing complaints to XXXX they finally did a proper investigation and removed it from my report. I filed all the same reports asking for proof from Experian they have not to date removed it. So this XXXX XXXX company turned this account over to a company called XXXX XXXX. I contacted them by phone and by letter many times. I asked them to send me proof this belonged to me I asked for it in writing to be mailed to me. To this day they have never sent me anything. While on the phone with them on more then 2 dozen times they yelled at me called me names lied to me even told me they were going to send me proof ( which they never did ) on several of the calls they even tried to say that they had all kinds of other debts on file that belonged to me which was all lies. This company has continued to lie they were unbelievably combative and abusive some of there people I spoke to cussed and swore and threatened me. I am at my witts end I have done everything by the book to get this off my report ( now Experian ) to no avail. This should be criminal! I would like to say I have always paid my bills on time ahead of time my entire life and am a very principled person this is why I continue to fight this injustice. Below is all I know about this account that remains on my Experian report. XXXX XXXX XXXX Experian - Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Factoring Company Account Status : Closed Monthly Payment : Date Opened : X/X/2014 Balance : {$910.00} Terms : 1 Month High Balance : Limit : Past Due : {$910.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Comments : Account in disputereported by subscriber This XXXX XXXX company has been causing me untold stress and so much money all over something that is not mine does not belong to me! XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX FDl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been doin searches for the Bank of America and XXXX XXXX for the last year and a half since they stole my home and caused my kids and I to be homeless. They took over XXXX in equity that i had In my house, which i lived in since XXXX. 
They violated every part of the XXXX XXXX XXXX there is to violate. They lied, forged documents, stopped responding to me, led me to believe they were going to help me, never provided any viable solutions by keeping me in the dark until finally, while under the guise of reviewing documents that they said they never got, auctioned my home in XXXX XXXX. 
Sound familiar???? It should because last XXXX, the CFPB sued them for this exact situation and recovered XXXX XXXX dollars as a result of these corrupt and common practices. 
So I ca n't hire a lawyer because they left me penniless and homeless. They were able to sell my house at auction within a minute of it going on the auction block. Sound fishy? Of course it does. They did n't even have the right paperwork for the deed. Everything was falsified. 
They were outside of the legal time allowed to go after us for the Debt. They did not ever even attempt to contact my ex husband who was on the title to the loan and the seed, at any point in time. 
They were guilty of dual tracking, falsifying documents, false signatures, robo signing, assigning me to XXXX point of contact, etc. The list goes on. 
What happens with the money that was won in this lawsuit? Do I get any of it? Can u get what is due to me from the equity I had in my home? I lost EVERYTHING in the house. All of my pictures, XXXX in antiques and furniture, tools, kitchen items, clothes for All of us, documents, files, paperwork, etc. I do n't think I am asking for anything outside of what was mine. 
If I did this in a store, I would go to jail. You can not take what is not yours to take. You can not falsify information, to suit your cause or intention, to acquire possessions. It is wrong on so many levels and has to be illegal. 
The CFPB 's job is to protect the consumer. My question is this. When the CFPB collects money from a company that has taken illegal and wrongful action on individuals who were directly affected by such wrongdoing, where does thst money go???? Whos hands does that go to? Please help me to understand how and why this can happen in our country. And help me to undestand when a company has to pay money, based on people 's financial demise and solely on evidence and factual data proven by a judge who has determined that the accusations are In fact valid and can not be argued, then how is my share of that money, that I feel I am entitled to, going to end up back in my hands? Will it ever? Thank you for your time.
Product: Checking or savings account

XXXX XXXX XXXX XXXX  violates that banking regulation which states banks when they post daily transactions they must post deposits first, then withdrawals. 
XXXX XXXX XXXX XXXX violates this priority law for daily deposits posted prior to daily withdrawals. 
This has been proven problematic in the past and even class action lawsuits for non-sufficient fund fees and overdraft charges and overdraft fees. 
Please charge this bank so it comes in line with the Law and name changes necessary. 
A copy of this complaint will be forwarded to the currency comptroller office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 the blocking of 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, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account XXXX : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting

There is a Chapter XXXX reported in my XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months Ive been trying to get TransUnion to change multiple accounts status from derogatory to paid. Ive spoke with my creditors and have verified my current status. TransUnion is neglecting to do anything at all. Ive sent dispute by mail and online and have no contact for over XXXX  days. I have no delinquent or derogatory accounts at all. 

Accounts affected : XXXX ( XXXX loan ) : XX/XX/XXXX my account balance was {$1100.00} XX/XX/XXXX my account balance is {$1300.00} this is a personal loan, I dont know how a balance could increase ; account not past due or delinquent. Since XXXX TransUnion has been decreasing my score from this creditor with every decrease in balance. This company has been illegitimately been reporting since the year XXXX started. Including XXXX false late payment ( XXXX ). I called the creditor multiple times and no one knows how to handle the situation and have a hard time speaking in XXXX making it more difficult to thoroughly explain the severity of the issue, but what the creditors are able to verify is that my account is current and also that they report every XXXX days. I also called TransUnion and what the supervisor told me was to just dispute it or call the creditor. He was no help at all. 



XXXX XXXX XXXX XXXX XXXX Bank XXXX ) : Ive been in constant contact with an amazing associate at XXXX in XXXX to this account. Ive paid this charge off in XX/XX/XXXX this account status should be reflecting as paid, was a charge off not a currently derogatory charge off. I have paid this company and transunion should no longer be reporting this account as open/derogatory. I have written letter, called the creditor, and submitted a dispute online and have not received any word. I can not even access the transunion site. 


This inaccurate reporting has drastically affected my current living and has positioned me within unqualified regions for a multitude of things. Its really stressful that credit is so important for a lot of people and we need it to be nearly perfect. For something so sensitive it extremely difficult to get in contact with well, anyone, to help you fix this and within a timely manner. Credit reports are so quick and so accurate when you have negative items reflecting but when you need a mistake you did not make, fixed, on credit you work your XXXX off for, itll take up to XXXX days. Its very unfair.
Product: Checking or savings account

Tele check keeps taking almost {$100.00} from my checking and I never signed up for it. I can't get ahold of anyone or any answers how and why they keep doing it.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred, Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor did not remove collector XXXX XXXX XXXX who sold the collector account over to a new collector.
Product: Money transfer, virtual currency, or money service

PLEASE HELP!!! 
Two money transfers between XXXX  XXXX XXXX and XXXX XXXX using " XXXX '' application to PHONENUMBER ( XXXX ) XXXX as follow : 1 ) $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX . 
2- $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . 
Both were received at SunTrust Bank account for an individual named " XXXX '' we do not know his last name. 
My wife went to XXXX XXXX to find out who was the previous owner of her telephone line prior XX/XX/XXXX ( date she purchased that line ). They said, they could not provide that information to her ; even though she explained the emergency. 
She tried to call the people that sent texts to the prior owner. They answered " I don't know XXXX 's last name ''. 
We called SunTrust and they told us " Initiate a research with XXXX  XXXX XXXX '', I started the Dispute charge back. 
After 23 days of that investigation, I received a letter, telling me that they couldn't find the " recipient '' who " retained '' my money and " they consider this matter resolved ''. 
We are honest people that work 40 hours per week in order to get paid, not to get robed. We worked for that money and it is really frustrating thinking about the " recipient '' having fun with our funds. 
That person could be someone that is trained to run this type of fraud. My wife had that telephone number until XX/XX/XXXX and decided to change it to a new number because all messages were about " disgusting services ''. 
We really appreciate the time and help you can provide. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I signed up for Experian credit works and got an alert about an alias and two addresses attached to that alias that doesn't belong to me. Upon checking my credit I don't see any unusual things but I want to make sure they haven't committed anything
Product: Checking or savings account

I've tried calling multiple times to close my checking account with Bank of America. This time, I've been on hold for 45 minutes ( and counting... ). There is no electronic way to do this via the app, website, or email, which seems abusive because the account can be opened online. I should not have to physically go to a branch or wait a ridiculous amount of time on hold for a representative to do something for me that should take a few minutes tops. I've been able to close a checking account with XXXX XXXX in literally a minute by sending them a short message via their secured messaging center online, and the account closing was promptly handled the same day. 

This might cause harm to other consumers like me who must meet requirements to waive BoA 's " monthly maintenance fee ''. This fee will be applicable as long as the account is open, even though it seems to be very difficult to close ( and through no fault of the consumer ). 

I see this type of issue has occurred before with many similar complaints for Bank of America when searching the phrase " wait time '' with filters " Can't close your account '' and " Checking or savings account ''.
Product: Credit reporting or other personal consumer reports

I have diligently followed all necessary procedures in disputing these accounts. I've contacted the bank, which assured me the issue was resolved. I've also reported the matter to law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with Equifax, who complied with legal requirements and removed the accounts. However, Equifax is presenting obstacles, claiming I haven't completed all the necessary steps. 
Despite the legal leniency towards banks and credit reporting agencies, I'm hesitant to pursue a lawsuit. I have repeatedly submitted my claim to Equifax over the past six months, yet I remain stuck. Each time, I receive a dismissive response alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears Equifax is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I have reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

compliant number XXXX this is my second complaint and it is a major issue with it has been more than 30 days.This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX/XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle XX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX XX/XX/XXXX they updated my balance is XXXX but have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it from my report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX {$370.00}
Product: Prepaid card

I'm sending you the documents that proves this bank falsify my entire account that they used my prepaid account as a creditor.
Product: Credit reporting or other personal consumer reports

Closed account in XXXX XXXX phone call is in their system. They never contacted me after that, XXXX XXXX XXXX told me they agreed to remove account but its still show as a charge off on TransUnion.
Product: Mortgage

could not respond with info about payment asked for history of payment several times never got that info, just received, with all XXXX 's of errors, do you want me to fax this XXXX sheets, please give fax number to much to send mail, this still as not been resolved errors still even on XX/XX/2022 statement, they are still having difficulty proving which one of these four WHAT EVER THEIR GOING TO USE THIS WEEK!!!! NEVER HAS BEEN REPAIRED, BLOCK OUT BY XXXX COMPLAINTS DEPT XXXX AND XXXX THAT KEEP MAKING THE ERRORS AND TELLING YOU THE ACCOUNT HAS BEEN REPAIRED. CAN NOT ACCESS MY ACCOUNT EVER, AUTO SYSTEM, ACCOUNT INFOR STILL WRONG, ON LINE BANKING STILL WRONG BEHIND SEVERAL PAYEMENTS, NOT EVER FIX. HELP THE NEW COMPLAINT IS FOR THE SAME STILL NOW PASSED ON AGAIN TO XXXX????? SAME DEPT. PLEASE HELP.
Product: Student loan

Conserve first contacted me at my place of employment in XXXX 2016. I work in XXXX and can not accept personal phone calls at my desk. I specifically told the person that called that day to NEVER contact me at work again, and that I would get in trouble if they continued to contact me at work. I also gave her my personal phone number for all future contact. Since then, I have filed for a Student Loan Consolidation. Conserve is aware that I have filed for consolidation as they sent me a letter stating they had received a copy of my application from my loan servicer. Nevertheless, they continue to call me daily, and have called at least two more times to my place of employment. ( XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have 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 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, credit repair services, or other personal consumer reports

Nothing was done it's been 32 days and i need this information remove! 

All Hard Inquiries and soft Inquiries as well 11. Names 21. Address 2. SSN Variations 4. Employes 5. Other Records
Product: Checking or savings account

Due to serious problems with PayPal in the past, I paid off the account and requested it closed. I am unable to remove my banking information from their website.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of the credit card delinquencies from Bank of America and XXXX XXXX on my credit score, citing violations of the CARES Act provisions. These delinquencies arose during the COVID-19 pandemic, a time of significant hardship for many, including myself. Despite communicating my late payments to the creditors and explaining that they were due to circumstances beyond my control, such as a natural disaster, these delinquencies were still reported on my credit report. I believe that under the CARES Act provisions, which aim to protect consumers facing financial difficulties during the pandemic, these delinquencies should be removed from my credit report. It is essential that my credit report accurately reflects the challenges I faced during this unprecedented time and does not unfairly penalize me for circumstances that were beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did sent letters out certified over 60 days ago and have yet to receive any type of notification. As a consumer i feel like these clowns are not taking me serious and taking advantage of me.