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

I am a business owner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I received a check for my services from one pf my clients. I then allowed for my assistant to deposit the check for mobile deposit into my XXXX XXXX account. Unfortunately the check did not clear, I was unaware of the check bouncing when the finds were wired out of my XXXX XXXX account into my chase business checking account. XXXX XXXX immediately closed and restricted my account without any prior communication. The then preceded to contact chase business to retract the funds however the funds were used for business purposes. Today I tried using my account to place a reservation for a business trip but my chase account appears to be restricted, because XXXX XXXX told chase to restrict my account. Which I am not sure how that is possible considering they are 2 different financial institutions, nevertheless they stole my money and are restricting my account so at the moment I will be left stranded. Chase has told me to contact XXXX XXXX to lift the restriction, I did and XXXX XXXX put a claim in but then insisted I contact chase again regarding the restriction. When I called chase they told me I needed to call XXXX XXXX yet again. That Is when I requested a supervisor to which they were very hostile, unresponsive and passive aggressive, then the line disconnected and I am left in limbo. I am demanding for JP Morgan Chase to unrestrict my account or return my money to me and close my business account as I no longer will be doing business with them as a result of this.
Product: Payday loan, title loan, or personal loan

Affirm gives the option to connect your bank account through a company called XXXX on top of providing a debit card for loan repayment. I linked my account thinking it would be easier to have this rather than my debit card that sometimes gets changed. They do not explain that they will be viewing your account balance through their app on a regular basis. Once I discovered this, I tried to unlink my bank account through the app which is not possible. I called customer service at ( XXXX ) XXXX and was told by their rep that once an account is linked, it can not be unlinked. I work in XXXX and my company uses a similar system and I know that we can not have perpetual access to someones account information, of course a linked account can be unlinked. So, I requested to speak to a manager who also said an account can not be unlinked. I requested assistance with IT and my request was unacknowledged. I was then told the only want to resolve the issue was to close my account, which seems extreme. I feel like the constant review of my bank balance AND the inability to remove the account is a violation of my personal rights and I can not imagine how or why they would be allowed perpetual access to my personal bank account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

N ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been dealing with repercussions of identity theft for quite some time now, and I have had many accounts removed from my credit report that were the result of identity theft/fraud. Now, however, XXXX XXXX continues to add the same fraudulent account back to my credit report despite my pleas to listen to my legal requests that label these as fraudulent. The account with XXXX XXXXXXXX, ACCT # XXXX, along with another account XXXX XXXX XXXX, ACCT # XXXX is a FRAUDULENT account, a result of IDENTITY THEFT, and must be removed from my consumer file within XXXX business days, in accordance with FCRA 15 U.S. Code 1681b & 1681c. Please follow the lawful requirements of the FAIR CREDIT REPORTING ACT OF 1977. If you are not to abide by our written laws of this nation, I demand in writing, a statement detailing exactly how your investigation took place, your findings that prove the accounts belong solely to me and that no fraudulent activity or identity theft took place. Also, I am demanding a reinvestigation, also detailed in writing, with wet ink signatures, detailing the process in which the reinvestigation took place and the findings and any other pertinent materials relating to this matter. I am looking forward to your swift reply, thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$600.00} 3 years ago and have been paying {$100.00} per month since then. 

The loan balance is still at {$400.00} dollars. 

Theyre drafting it from my account directly so I dont know how to stop it. 

I have paid them thousands at this point. 

This is theft most predatory credit Ive ever seen in my life.
Product: Student loan

I never even agreed to borrow money after my grant was lost, I did n't attend and have never used the money I am being accused of borrowing. I feel like they left enrolled and led me to believe it should n't hurt my credit. I can never get this off my credit record. I defaulted, now I ca n't secure a home as a recently getting divorced, ca n't secure a decent car and over all felt trapped by my credit score and this student loan company who targeted enrollment to the worst mistake of my life, XXXX steering me to them. I did n't even know about the loans or what is expected to pay back. I never consented torture this mess.hopeless new single mom.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account with XXXX XXXX XXXX XXXX XXXX continues to be reported with an open balance. 
The account is paid in full and is now closed, however, Experian continues to report the account has an open balance despite my several attempts to have this corrected, Experian has not thoroughly investigated the account and continues to report the account with an unpaid balance and still open.
Product: Payday loan, title loan, personal loan, or advance loan

I purchase some furniture from a furniture store under Acima finance company but the charges are outrages. The first delivery of the furniture broke while the delivery people put it together. If you call and miss a payment you have to make up an additional payment. Its the over charged that is not right for consumers at all From XXXX XXXX XX/XX/2024 on monthly payments. I have been charged XXXX a month and additional XXXX with over XXXX a month with additional charges on make up payments
Product: Debt collection

Account Number : XXXX Date Opened : XX/XX/year> I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( IQ Data International collecting for XXXX XXXX XXXX with an amount of {$330.00}. )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report an XXXX letters last XX/XX/XXXX, XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized / Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company XX/XX/2022 and informed them that they are reporting charge off on my consumer report. Its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and the company must file a 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax XX/XX/2022 and sent in all of the necessary information that the FTC instructed me to send after I was victim of identity theft. I dont check my credit report often or at all for that matter so I was not aware of these things until I recently made an attempt to move.

After Equifax received the identity theft police report, FTC affidavit, FCRA Section 605B, my identifications, and statement noting that the transactions are a result of identity theft, Equifax responded in an effort to treat this situation as a general dispute and forced a 30 day investigation on me as if Im lying about being a victim of fraud. It is belittling, unbecoming and hindering my life.

They made no effort to contact me within the 4 business days required and its preventing me from moving into an apartment home. 

Ive attached Equifaxs responses and have the full transcripts via the XXXX XXXX XXXX XXXX XXXX XXXX. The complaint was closed without resolution.
Product: Mortgage

My mortgage was sold to Shellpoint Mortgage servicing while I was in Forbearance due to Covid and loan modification with previous lender ( XXXX XXXX XXXX XXXX. I was told by XXXX XXXX XXXX that my loan modification documents would be transfer over to Shellpoint Mortgage Servicing. I contacted Shellpoint via phone calls and emails. I sent email to XXXX XXXX my contact person on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I made phone calls to him on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not receive any response from all the attempt to contact him. 
I resubmitted all my loan modification documents on XXXX according to their instructions. I was able to connect to a representative but not XXXX XXXX my contact person. She can not confirm if they received my documents or able to connect me to XXXX XXXX. I was told to continue to wait. I addressed my concern that the payment and interest continue to accumulate and needs to be resolve as soon as possible. I do not want to have a foreclosure or further debt. I have exhausted all avenue to communicate and work with Shellpoint to resolve this issue. Please advice and help with my situation. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Important note Account name XXXX DEPT OF XXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with Experian. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with Experian right now through the experian.com/viewreport website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX {$5000.00} XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$770.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XX/XX/2023
Product: Mortgage

Roundpoint claims I have thousands of unpaid escrow and now they are foreclosing my home. They have been terrible to work with and have not been in contact with the township at all!
Product: Debt collection

The consumer agency was contacted, regarding Portfolio recovery with account information ending in XXXX. This account does not belongs to. And therefore I would like for this account to continue removed immediately due to fraud. This account is hurting my credit and is causing hardship to jibs and utilities. Please help immediately.
Product: Credit reporting or other personal consumer reports

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT!!!
Product: Mortgage

For the second time my loan servicer, Amerihome Mortgage has failed to make payment of my property taxes in a timely manner. I do not believe they have made an on time payment for my home insurance either. We have only had our loan for 11mos. They have an impound account on our behalf for this purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK appear on my XXXX  credit report as hard inquiries, I have disputed many times this hard inquiry via XXXX  and also directly by calling this company but every time XXXX and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any incorrect accounts from my credit report. Could you kindly verify the documents? There are discrepancies in the reporting of some listed accounts.
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 XXXX : # XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  : # XXXX, DEPTED/XXXX XXXX # XXXX, XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX. 



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 inaccura
Product: Checking or savings account

On XX/XX/XXXX I was XXXX in the Arizona Department of XXXX I was not XXXX into XX/XX/XXXX, 4 years later. When I return home I want to my Wells Fargo bank to make sure all my money was still intact and deposit in the bank. I found out that my account had been depleted by fraud using a pin number ATM access. I filed a complaint to have a resolution specialist look at my account and see if I can get the money refunded to me due to identity theft and fraud. I was denied the first time due to not having proof of XXXX. I filed a second time to reopen the case and was granited {$800.00} out of {$3700.00}. Wells Fargo is telling me that they withheld {$2700.00} of my money due to regulations E. Ive seen several documents and several videos and it clearly states that the banking laws say you can not use regulation E even if its after the 180 days of expectation due to special circumstances! When I found out my accounts were depleted four years later I had no way of knowing about it. So could you please help me get my {$2700.00} returned to my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to stop the company called XXXX XXXX from billing my credit card XXXX since XXXX.2015. I have had to dispute this charge every month for years now. I can not take it any longer. The credit card company blocks them and they use a different merchant number and start again.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing a debt from a collection agency company named XXXX XXXX over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from XXXX XXXX. I have directly disputed the credit bureaus Transunion, and XXXX about XXXX XXXX claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus Transunion, and XXXX with no knowm resolve as well. I have sent certified mail to XXXX XXXX   on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either XXXX XXXX nor the credit bureaus Transunion, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting false information on my credit report. In order to keep my credit to report an accurate higher score.
Product: Debt collection

On XXXX, I received a bill from a company called " Aidvantage '' ( XXXX XXXX XXXX XXXX, TX XXXX ) in the amount of {$96.00}. It stated it was a current amount of " INTEREST DUE '' for an account # XXXX. I have NEVER any type of loan with them! It further stated there was an unpaid principal of {$10000.00}. The bill also has a logo for the US Dept of Education in the top upper right hand corner. Their contact phone number is XXXX. I contacted them on XX/XX/XXXX at XXXX XXXX  and it first asked for my account number or social security information. I entered the account number. Then asked for " customer service. '' The line then dropped the call. 
This bill is absolutely fraudulent. My parents fully paid off my student loan years ago and even when you look at the student.gov website it does verify that my balance is XXXX. 
This company is trying to say I have an outstanding {$10000.00} balance and now is trying to collect {$10000.00} plus interest according to an interest schedule they also provided, thus explaining the first fee of {$96.00}. 
They are requesting my payment be sent to : Aidvantage- Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX OR XXXX I would be happy to provide any other information you need to prove this fraudulent claim. Thank you for your assistance regarding this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a credit account with Bank of America for two years. During that time I have made payments with my XXXX Checking account which I had set up to use. Several months ago, my daughter added me as a secondary to her Bank of America Checking account. Since then my payment of XXXX was deactivated on their end, I was advised that I had to electronically resubmit my checking account number. When I did their system burst multiple verification numbers, so that when I attempted to verify, the Bank of America server locked out my account number. I am told that even though it was their mistake, they ca n't do anything about it. As a person with a XXXX XXXX in XXXX XXXX, I know this is not the case. They are telling me I have to be even more inconvenienced and I have to print a form to mail to them. Since I currently am without a printer I asked them if I could receive the form at a Bank of America branch. They told me I could n't because they were a separate entity. If that truly is the case then my payment method should not have been deactivated by above actions. I am not comfotable going to a public computer to do this, which is what they are telling me I have to do. So, I have to wait until I have the ability to print this form electronically from my home before this problem can be resolved.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and am unsure why theyre there. Despite refreshing my browser to rule out a glitch, the discrepancies remained. I request that the documents Ive provided be reviewed thoroughly so this issue can be resolved and I can stop worrying about it.
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. 

Dept of EdXXXX, Dept of EdXXXX, Dept of EdXXXX 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.

- There are several inaccuracies being listed on my credit report