23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU of consumer financial protection transition, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the consumer financial protection bureau. On XX/XX/XXXX congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. The resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or particular kind coin or currency... are inconsistent with declared policy of congress.. in the payment of debts. This resolution declared that any obligation requiring '' payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items if Information.
Product: Credit reporting or other personal consumer reports

Several late payments are incorrectly listed on my credit report, which doesnt align with my payment history. Several late payments are incorrectly listed on my credit report, which doesnt align with my payment history. Kindly correct these errors and update my account.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have All 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.

All of the accounts listed above have violated BOTH of my federally protected rights.

Delete all of these accounts immediately, or be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in disputes to XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over XXXX before it was repossessed in XX/XX/XXXX and hit my credit just XXXX  months shy of the turn in date in XXXX. I requested all original documents from XXXX XXXX and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.
Product: Checking or savings account

Here is a quote taking directly from the Wells Fargo Website " Your Wells Fargo Credit, Debit, ATM, and Prepaid Cards are covered by Zero Liability protectionFootnote XXXX XXXX at no extra cost. If your card or card number is lost, stolen, or used without your authorization, you are not held responsible for promptly reported unauthorized card transactions ''. 
I have had two fraud claims denied by this bank who is suppose to protect my money in the first place. How was someone even allowed to steal money from me. One for a transaction of over XXXX to a jewelry store. I don't even wear jewelry. The second to XXXX companies. I need my money back pronto. DOnt want to hear about a pin being used as ATms have card number and scimmers attached to them always.
Product: Debt collection

XX/XX/year> I sent out a dispute letter to TransUnion XXXX and XXXX for the validation and verification of the alleged debt they did not or could not verify or validate this alleged debt. I also put out a fraudulent alert to identifytheft.gov because I did not apply or receive merchandise from the company XXXX XXXX XXXX. Since my letters of dispute this alleged collection debt has since been deleted from XXXX credit bureau and XXXX credit bureau I demand the deletion from TransUnion.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered that PORTFOLIO RECOVERY ASSOCIATES accessed my report without my permission on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not met the requirements under the FCRA to gain access.
Product: Mortgage

I have repaid my mortgage with Coldwell Banker. While I had my mortgage with Coldwell Banker, the management of their mortgages was taken over by another company called " PHH Mortgage Questions ''. I note that my fully repaid mortgage still appears on my credit report. Why is it still there and how can it be removed. The mortgage was repaid over 7 months ago.
Product: Checking or savings account

I have been a customer of Chase Bank since XXXX, I attempted to sign into my accounts yesterday and was unable to unless I accepted XXXX online policies that had been posted. I object to the XXXX XXXX XXXX as it abdicates all privacy on my accounts. This document is XXXX pages long and contains many things that are acceptable but includes new verbiage that covers all digital privacy and totally abdicates all privacy going forward. I have called all customer service numbers and contacted the local branch XXXX and was told I have no choice. The worst thing is I am being denied access to all of my accounts with no recourse. This strong-arm tactic is totally unacceptable, and their calculation is people will not take the time to read the XXXX legal document. This is so wrong and must be stopped immediately. I am now in day XXXX of being totally locked out of my accounts and the only remedy I seem to have is moving my business to another bank. The hardship of doing this is enormous and costly. I should have the right to opt out of this invasion of my privacy and not be forced to accept this policy without recourse.
Product: Mortgage

I have been experiencing financial hardship since XXXX of 2013 due to the process know as " sequestration '' I work in XXXX and have yet to recoup losses of personal income due to this political action by the US Congress. I have remained one month behind in my mortgage payments since that time. Now, I am receiving unwanted debt collection calls from a mortgage loan servicer at my XXXX office telephone. This mortgage servicing company ( Ocwen Loan Servicing ) took over my mortgage in 2013 as a result of a bankruptcy filing from GMAC. The company has been told not to call me at my office but the calls appear to be robo-calls. In addition, this company has imposed high cost fees and penalties onto my note in an effort to overwhelm and out distance any ability for me to rectify my loan payments and make them current in order to release my " default ''. I feel this is unscrupulous behavior on the part of this company. I want to bring my note up to date but because of this servicer 's automatic fees and penalties, I am in a deep trench. I need assistance to find and secure another lender to offer me a chance to refinance a new BETTER mortgage ; even if it is at a higher interest rate. I hold more than 60 % valued equity in my home, I am in the 16th year of a 30 year mortgage and was NEVER LATE for 14 years of payments under GMAC. I need to be out from under this company 's indifference so as to pressure the homeowner for profit along with my horror and anxiety over the possibility that I might lose of my home. Trying to negotiate with Ocwen has been a nightmare, they are not a lender and they do n't remember the request for assistance from one month to the next month.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On Wednesday XX/XX/2022 my employer XXXX XXXX made a direct deposit into my chime account. it was my payroll check. The deposit was made for {$280.00}. I made two transactions that day at XXXX XXXX XXXX in XXXX TN and at XXXX XXXXl in XXXX TN. Later that evening at approximately around XXXX XXXX I recieved an email from chime support about a " temporary security restriction '' I am unable to complete transactions, use my card or login to the app or website. I responded to that email and they asked me to send In a picture of my ID and social security card. I provided the documents and they said they would review it and within 24-48 hours I'd hear something from them. In 24 hours I called chime. They said it had to be the security department lifts the restriction and they're only available through email. I have since called and emailed them at least once a day with no update. It has been 5 days and I still haven't received anything from them. I have no access to my check and that was all of the money I had. I have no money to eat, no gas to get to work and I have XXXX children in my home! I just want to close my account and recieve the remainder of my money or have it sent back to my employer XXXX XXXX XXXX, TN as soon as possible!!!
Product: Credit card or prepaid card

I received unemployment benefits to my Netspend Card during COVID 19. Roughly 8k is still on th card. Despite proving that I'm me, netspend will not issue me the card. They keep telling me they sent a check but won't tell me to what address. They are basically holding this money hostage. They are telling me to call unemployment but the unemployment for COVID has closed and there is no way to reach them. They can easily fix this by sending me a check to my new address. Their customer service is terrible. I'm going to file a lawsuit against them if they do not send me a check to my new adress or send me a card with the funds on it. My dob is XX/XX/1980 ... My SSN is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.
Product: Student loan

The current administration wiped off my credit history once it automatically updated my account with the Dept of Edu student loans. 17+ Years of history dropped down to a few months. I didn't ask for that to happen and I didn't know it was going to happen. Due to the inaccurate reporting of student loan history, my credit score has dropped substantially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}
Product: Debt collection

I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I had this removed from my credit report just about two years due to them not being able to provide any sort of proof of the debt within the 30 day time frame and the collection agency recently switched the name of their company from XXXX  to Convergent and now they are threatening to damage my credit if I dont pay the amount listed above even though the debt is way past the statue of limitations. Please investigate this matter
Product: Credit reporting or other personal consumer reports

I have discovered that an agency the fbi has access to a replicated database of all my information at the root level and the duplicated functions of all the apps to include and not limited to my experian credit monitoring app. These individuals are not only defrauding me through the illicit use and manipulation of my credit file but also my identity online and in criminal databases to benefit their informants that are illegally and illicitly hiding behind my identity. I have complained about this for over ten years to no avail the latest violation includes the sending of a communication from my mortgage company and then the reinstatement of a credit card I had closed over 2 years ago to manipulate my credit to prevent me from being granted a lower credit rate. This is racketeering at its finest this also includes the use of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have perpetrated this scheme e for over 10 years. I have disputed this and experian stated on less than a day that my dispute was verified and I could not make another complaint. I called self and they stated my account had been closed for years and is closed. This is also a way to provide a secret employment and sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bank of America has opened fraudulent checking accounts in my name and then allowed the individual to immediately change the contact information on the account. Every time I have told Bank of America that I want them to put an alert out that I want NO account opened in my name with my social with their company period. Every time they have told me to put a freeze on the XXXX XXXX to avoid this, which I DID do after the first time and they are still opening these fraudulent accounts. I have contacted XXXXXXXX XXXX  and have a full report and confirmation that Bank of America NEVER ran the account through the XXXX XXXX before opening the account, which would have avoided this situation the 2nd and 3rd time this has happened. 

I have had to put significant personal effort into getting these reports and closing these accounts every single time they do it and there is no sign they will stop. These fraudulent accounts have some kind of activity of them, which they will not show me and I do not have access to see. This is extremely frustrating that a bank that large would seemingly assist fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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. following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a Collection Notice was sent to me for the amount of {$36000.00}. I received the letter on XX/XX/XXXX. 
I called Activate Financial LLC the same day, after verifying that they were a real firm and that this was not a scam. I was told that SS, date of birth, address matched those of the debtor, and that the debt was incurred on XX/XX/XXXX. I assured them that this was not a debt that i had incurred but they insisted it was me and are sending me more information to " jog my memory '' I believe a simple credit search would have cleared this up but that was not going to happen. I have apparently been a victim of Id theft and i hope this is the only Instance. Or this was indeed a scam and I unfortunately gave them some of my personal information.
Product: Credit card or prepaid card

I added 6 authorized users to my credit card. Then, Bank of America cancelled my account without notice. I only received notice about 7 days after the account was closed and they did not allow me to reopen the account. 

I called Bank of America on the morning Wednesday, XX/XX/2023 after realizing my Credit Card transaction was declined because my account was closed. I tried to do a transaction earlier that morning, but I got an email that the transaction was declined and the reason saying my account was closed. I did not close my account. 

They explained that I will get a letter in 7-10 business days. I was not given a reason at the time, or allowed to reopen my account after asking.

I received a letter saying the account was closed for " irregular authorized user activity on one or more of your accounts ''. I was never told or warned that this was not allowed. I was never given notice that my account was closed until it already has. I was not given a chance to explain what has happened or any chance to fix what was wrong. Bank of America did not allow me to reopen my account. 

I paid my card on time and in full every month. My XXXX credit report as stated in the closure letter had multiple accounts, low utilization and perfect payment history with a XXXX FICO score. This card is one of my oldest accounts and closing the account will adversely affect my credit.