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

On XX/XX/2023, between XXXX and XXXX Central time, an unknown person stole {$9700.00} from me. The perpetrator gained access to my online Bank of America account, changed my password and pin #, transferred {$9000.00} + $ XXXX ( {$11000.00} total ) between my two existing accounts, and then withdrew {$4800.00} + {$4900.00} ( {$9700.00} total ) in cash from a Bank of America location in XXXX XXXX, California at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, respectively. I filed two separate fraud claims with Bank of America ( Reg E transaction and Unauthorized withdrawal ), as well as identity theft with the XXXX XXXX police for an investigation, but my bank fraud claims were both denied shortly after they were made because the person had my pin #. This is absurd. I come from NY and am based in XXXX, TN, and have never stepped foot in XXXX XXXX nor have any family there ( or anyone who would have access to my account ). If the perpetrator was able to get into my account, then of course he would be able to hack into and change my pin #. To stop the perpetrator from stealing any more of my money, I withdrew my remaining money from my two accounts at the XXXX location ( {$68.00} + {$10000.00} ) and had the associate place balance holds on the two accounts, preventing money from being withdrawn. 

In addition to accessing my Bank of America account, this perpetrator also got into my XXXX XXXX account and temporarily transferred my phone line to his device, rendering me unable to stop him on the spot via phone call. I had to go to the closest XXXX, XXXX, TN Bank of America location ( XXXX XXXX XXXX, XXXX, TN XXXX ), which was where I learned the extent to which this was happening ( I could not get into my account prior because the perpetrator changed my password and pin, as stated prior ). All of this was happening while I was at the XXXX bank location ( XXXX XXXX was my associate ), and they would be willing to provide a statement if that can better my case. The fact that someone was able to go into a Bank of America location and withdraw money from my accounts acting as me is preposterous, as no one should be able to withdraw such large sums of money without a verified ID.
Product: Vehicle loan or lease

I volunteered to give my XXXX XXXX XXXX to Ally Financial in the year XX/XX/XXXX, however, the amount on my credit report from the company is the entire amount I paid for the vehicle. Ally arranged a tow truck to pick up the vehicle from the XXXX Dealership while it was being repaired. When I called the company to inquire about the amount added to my credit, the company can not find any information that I had an account there or owe any money to them. I have been trying for 2.5 years to resolve this matter and no response.
Product: Credit card or prepaid card

Capital One charged me {$4.00} dollars on my credit card ending # XXXX after I paid the account in full on XX/XX/2022. 
On XX/XX/XXXX I paid {$50.00}. I contacted Capital One and confirmed they received my payments and to make sure they were going to close the account. Capital One confirmed the receipt of the payments I made. I had no idea Capital one was going to charge me fees after they confirmed my account would be closed with a XXXX balance. This is predatory of Capital one to do this to its consumers and they reported me late to the credit agency too.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, {$29000.00} walk-in wire at Chase Bank XX/XX/2021, {$3500.00} online wire at Chase Bank
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my LexisNexis consumer report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Upon continuous reviews and continuous disputes of my report, I identified the following inaccuracies : My name ( my correct name is XXXX XXXX XXXX ) My birthdate is XX/XX/XXXX, My address ( XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX -My contact number ( XXXX. On my Reporting in my XXXX report, having an additional driver, that is XXXX and I am not married to. That is inaccurate- ( XXXX XXXX XXXX with XXXX XXXX. ( Listing a finance company that was not affiliated with my financing on the XXXX XXXX. ( XXXX XXXX ), that was not the name of the company that financed my vehicle. XX/XX/XXXX. Reference number ( XXXX ) XXXX XXXX XXXX Possible Lapse, is listed and inaccurate Never did or have allowed my insurance to Lapse with XXXX. 

These inaccuracies do not reflect accurate and verified information. I am ( AGAIN ) requesting that LexisNexis conduct a thorough reinvestigation and verify the information in compliance with XXXX XXXX guidelines and the FCRA. I request that LexisNexis conduct a thorough investigation of the disputed information 2. Delete the inaccurate entries that can not be verified. 3. Provide me with a written response confirming the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive complained several time on the debt which is not even mine, but XXXX XXXX XXXX  has insisted that it was. XXXX XXXX was the original creditor, that closed the account on XX/XX/2016 which is the time the statute of limitation should have started, not when XXXX XXXX XXXX  finally started reporting it on XX/XX/2016. so this has illegally been reaged to keep it open longer than the law allows. transunion is still illegally showing it as open.
Product: Mortgage

In XX/XX/XXXX, I started my pursuit to refinance and purchase a new property. The title company that has been assisting me with the process advised me that Citibank has a lien on my property. I once had a 2nd mortgage ( HELOC ) that went into default. The default resulted in a XXXX being issued in XX/XX/XXXX. After I received the 1099, a letter should have been issued to the XXXX XXXX County Circuit Court, releasing me from the debt, or a letter of satisfaction placed in my files. This never happened. 

On XX/XX/XXXX, I spoke to a representative who provided me with instructions. The instructions were ( 1 ) Information on where to fax an authorization letter so that a 3rd party could verify that the debt was indeed released ; ( 2 ) information that my case would be sent to management so that a letter of satisfaction could be provided to me and the Title company. On XX/XX/XXXX, I received an email from XXXX XXXX Support, advising me that Citi was no longer collecting the remaining balance. The letter did not satisfy the Title Company, because no documents were sent to the courts. 

On XX/XX/XXXX, the Title company called Citi Centralized Recovery Department at XXXX ( XXXX ) XXXX, to verify there was no balance and was told they could not provide any information on my account even though I provided the required documents per the representative. This is unacceptable. 

On XX/XX/XXXX, I called to inquire about my case because my closing date is scheduled for Friday, XX/XX/XXXX, and a representative advised me that there was no movement, even though she confirmed the loan had been forgiven in the system. 

The representative told me that it is customary for the Title " stain to sit there on record until the customer calls or tries to sell their home. Another time when I called the representative was complaining to me that there was an extensive backlog, which had nothing to do with me. The lack of records management and care has caused me to miss my closing appointment. This is unacceptable. 

My complaint is why has it taken Citi close to 5 years, to send my documents to the courts, since I have already resolved the balance. As a result, I am not able to refinance or sell my home because of the hardship Citi has inflicted on me, and probably countless others who are trying to move on with their life. The representative told me to call back at the end of XXXX to see if my documents were sent to the county and that maybe she would have a Letter of Satisfaction to share with me and the Title Company. I asked for a telephone number to an official above her business line of authority and she could only provide me with an address to write, which further delay the process. This is unacceptable. 

Can someone assist me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

Self is a credit builder company and I was never late they have continuously put late payments on my credit report effect my credit report negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

My mortgage provider in 5/3 Third. The bank refuses to communicate any payment issues due to changes on the bank side in a timely manner. I think it is deliberate to drive payers into a situation where they end up with a late payment for a negligible variance amount allowing the bank to slam the payee credit score with a late payment reporting. 

I made my normal bill payment for XXXX to the bank over paying the mortgage amount. ( Mortgage payment XXXX, my bill payment sent XXXX ) I had not received an escrow adjustment notification in the mail alerting me that the payment would be changing in XXXX. For the life of my mortgage with 5/3 i have had routine issues with their website typically forcing me to call in a reset a couple of time a year and it is why I do XXXX XXXX from XXXX XXXX and not through the 5/3 account system. 

When I logged in at the end of XXXX to download my documents for my tax preparation I noticed that I had an unapplied credit for XXXX. I messaged with customer service and looked at the only account alerts which included the password resets. Looking through the documents i found the escrow annual escrow review with the new payment amount of XXXX. This resulted in a variance of XXXX. I made the variance payment online but the customer service rep informed me the XXXX payment would still count as late because the payment would not credit until the next business day XXXX. 

For the entire month of XXXX XXXX did not leave me a phone message, did not put an alert on my account, did not indicate there was a payment discrepancy on my account. Now they will stick a notice on my credit report of " not more than 2 payments behind '' which is a lie in itself because they will be including the XX/XX/XXXX payment in that credit reporting to do absolute maximum damage. 

They have also held the mortgage payment of XXXX unapplied allowing interest to accrue on the principle that could have been paid. My escrow is currently in credit balance. This late payment variance is for the increase in escrow to be applied to an escrow account that is not currently in the negative. 

5/3 will claim they tried to call but their call attempts come from unknown numbers that are dead air when you answer. You literally have to keep a dead line open for 45-60 seconds before someone actually picks up. I think this is a shady way to ensure the customer they are trying to reach disconnects because they think it is a robocall. I went through this with them the last time they pulled this stunt. They claim they do not leave messages on voice mail for customers. Regular US Mail is usually delayed for me because I am working outside the US, again I had this discussion with them. If I do not get a voicemail message or email or have the information showing in the accounts I will not get it in a timely manner that allows me to respond. I would expect they would at a minimum keep up the online account with alerts and notifications if they actually wanted to ensure the customer was aware of changes to their account or payment issues.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 Balance : - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  [ Re : Complaint against XXXX, Account Number : Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Amsher, a debt collection agency, for violations of the Consumer Financial Protection Act ( XXXX ), Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. The unauthorized reporting of transaction history to XXXX, XXXX, and XXXX by Amsher is a blatant violation of federal laws and regulations. 

I believe Amsher has violated the following provisions : XXXX. XXXX XXXX XXXX - Privacy of XXXX XXXX XXXX : ** Amsher has failed to comply with the privacy provisions outlined in XXXX CFR XXXX by reporting transaction history without proper authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Preservation of Consumers Claims and Defenses : ** Amsher has failed to adhere to the regulations regarding the preservation of consumers ' claims and defenses by reporting inaccurate and unauthorized transaction history. 
3. **15 USC 6801 and 15 USC 6802 - Privacy of Consumer Financial Information : ** Amsher 's unauthorized reporting of transaction history violates the provisions of the Gramm-Leach-Bliley Act, specifically 15 USC 6801 and 15 USC 6802. 

4. **15 USC 1681 - Fair Credit Reporting Act ( FCRA ) : ** Amsher 's actions violate the FCRA by reporting inaccurate and unauthorized information to credit reporting agencies, including XXXX XXXX XXXX, and XXXX XXXX 

XXXX. **The Privacy Act of 1974 : ** Amsher 's unauthorized reporting of transaction history also raises concerns under The Privacy Act of 1974, as it involves the disclosure of personal information without proper authorization. 

XXXX. XXXX XXXX XXXX : ** Amsher 's actions are inconsistent with the principles of the Consumer Protection Act, as it engages in unfair and deceptive practices by reporting unauthorized transaction history. 

7. **Fair Debt Collection Practices Act ( FDCPA ) : ** Amsher 's unauthorized reporting of transaction history violates the FDCPA, specifically by engaging in misleading and deceptive practices. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against Amsher. Additionally, I seek relief in the form of a correction to my credit report, removal of the unauthorized information, and any other remedies available under the law. 

Enclosed with this letter are supporting documents, including evidence of unauthorized reporting and any correspondence with Amsher regarding this matter. I appreciate your prompt attention to this complaint and look forward to a resolution that upholds consumer rights and protections. 

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

Around XX/XX/2019 am unauthorized hard inquiry was done on my credit through a Vendor, XXXX XXXX XXXX XXXX XXXX XXXX   with XXXX XXXX. I contacted both and Experian to correct this. In fact I already filed a complaint with CFPB within a week or so of it occurring. Meanwhile, I was in touch directly with all concerned and was told it was all fixed and removed from my credit report, etc. Meanwhile, it it is still on record as a hard inquiry and will be for the next 2 years or so. I have tried many times to correct this and was on endless hold with Experian and have not been able to make contact with anyone to correct, hence this complaint.
Product: Credit reporting or other personal consumer reports

After reviewing My credit report I noticed their are fraudulent accounts listed on my credit report. The fraudulent accounts have caused damage to my reports. Please remove the fraudulent accounts as they are hurting my ability to obtain new credit. My data has also been leaked in the Equifax data breach.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXXXXXX 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

I received an ample amount of notices from midland credit management , Inc and I thought it was a joke. What I found out is that this company takes debt from other companies and harasses people to pay debts that do not belong to them. From XXXX I have been to XXXX and XXXX  school, which ultimately led me to living with multiple people. I have had instances where my social security card and ID cards have come up missing. Unbeknownst to me, it appears that someone opened a XXXX account in my name and this debt went on to be unpaid. It is not mine. I have told this company from the beginning that it is not mine. They have the wrong person. Not to mention XXXX itself just screams scam. Ive disputed this on my credit report successfully in XXXX and they keep harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. Transunion is reporting an old account incorrectly on my credit report. The item is through XXXX XXXX XXXX, originally through XXXX, account number XXXX. The account type is displaying as OPEN on my credit report, even though the account has been closed and paid in full since XX/XX/16. Transunion even is reporting the account date that it was closed, and notes that the account is paid in full, but still displays the ACCOUNT TYPE as open. This is incorrect. This account should no longer be displayed as open on any of my reports. I have included a letter from XXXX XXXX XXXX   confirming this as true, as well as a copy of the item directly from my Transunion report with the error circled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had XXXX for internet security and got hacked and my information was in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. By law all information on this report must be verifiable. If the bureau can not please direct them to delete it from my report. 
XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX, 2021 XXXX  XXXX, XXXX XX/XX/2021 XXXX XXXX, XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 2021
Product: Credit reporting

These fools send me a letter that claims they deleted there sloppy blunders. This is a lie. Flagrant incompetence. WHAT is this inaccurate garbage still doing in my file? After claiming it was deleted. I just seen it again online 5 minutes ago today? XX/XX/2015 I told them a month ago, I want these expired, inaccurate addresses deleted, they agreed, never complied to. Plus, they have some ridiculous landline number with XXXX XXXX ( XXXX ) for a area code. What do you call this sloppy incompetence?! # Willful gross negligence, stupidity, what?! # That XXXX cellphone XXXX is inaccurate and I cancelled with verizon. PLUS, that XXXX partial number, they must fish for errors?! #
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a complaint earlier. Complaint number XXXX against XXXX. The company will not freeze access to my data without my enrolling in their credit monitoring program at {$120.00} a year.
Product: Payday loan, title loan, or personal loan

Credit Ninja 's website fraudulently claims that it is not a payday loan company and has extensive descriptions about how its " Installment Loans '' are better and lower interest than payday loan companies. It falsely advertises its loans as " Installment Loans '' which typically have interest that can be reduced, if paid back early. There is no description on its website that states what I was told after I signed a loan, and spoke to a representative over the phone. The company is in fact a predatory lender and should not be allowed to falsely advertise itself as an alternative to a payday loan company. I was told over the phone, that this company is a CAB company and it does not fund the loans. It only collects a CAB fee. The fee they added to my {$1000.00} loan is {$15000.00}, which is 250 %. The representative I spoke to over the phone, right away pointed me to language in the loan agreement about the CAB fee not being interest ( which is the only place it appears ) which means two things : first, they get this complaint all the time, and secondly, they know their advertising and website to be misleading. I asked if I paid the loan back early, could I reduce the amount owed, and I was told there is no way to reduce the CAB fee. I was told they only thing I could do is default and try to settle for less than I owed and it would be reported to the credit bureaus. This lender is unscrupulously taking advantage of consumers with false advertising and unwilling to take a fair settlement without damaging consumers credit.
Product: Debt collection

Today I received a letter from MRS BPO , LLC claiming I owed {$370.00} to XXXX XXXX XXXX XXXX. I owe no such debt.
Product: Debt collection

Portfolio recovery llc is a banned XXXX XXXX who has harassed my family and myself. They have subpoenaed me to court and hired someone to stalk and harass my family and children and myself