23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account type, account status, date opened, high credit, credit limit, payment status, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. A charged off account can not be reported as late. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX  I have written letters to the XXXX XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) The information was blocked in error or a block was requested by the consumer in error ; ( B ) The information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report. 

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

My information was exposed and compromised via a credit reporting data breach. I am a victim of identity theft. 

I reached out to these companies several times along with the XXXX credit bureaus, but have yet to receive a response. 

Due to 15 U.S. Code 1681 ( i ), the credit bureaus have not properly conducted investigations and or remove any of the inaccuracies reflected on my reports.
Product: Credit card or prepaid card

I applied for a new XXXX XXXX business account on XX/XX/XXXX and was approved. I received credit card and started using it. 

Then, in XX/XX/XXXX, customer service employee XXXX XXXX blocked my account in violation to my cardholder agreement. XXXX requested my additional information ( social security card, driver license and business license ) which I provided him with. 

My account remained " blocked '' until XX/XX/XXXX when it was closed by another representative. I wasn't given explanation for the closure. The representative on the phone said " the bank doesn't feel like it ''. 

Since XXXX I scheduled payments to satisfy my monthly due requirements. The US bank doesn't process any payments. Any payments I'm trying to make by calling in get declined and my account falls deeper behind due payments. At the moment they charged me totally about {$200.00} with fees and interest but still don't allow me to make any payments and keep charging me. 

I called representative on XX/XX/XXXX and she insisted that my balance is {$0.00} and I don't need to make any payments. And them I was charged with late {$39.00} fee and interest and had to spend hours on the phone trying to explain my situation to csr supervisor XXXX. Luckily, the late fee was reversed but not the interest. 

My next due date is XX/XX/XXXX, the auto payment that was scheduled on XX/XX/XXXX didn't get processed and manual payment doesn't work. 

I tried to contact investigation unit clerk XXXX at XXXX ext XXXX but he doesn't pick up phone for the last month and doesn't return calls. 

Please help me close the account! The bank doesn't answer my calls and doesn't process my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act 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 written permission.

According to 15 USC 1681 I have a 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 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 notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
TransUnion has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Checking or savings account

Hello I have been banking with BofA for over a year now and have had many unpleasant encounters with customer service one being that every five transaction my card would be blocked and I would have to call a number and agree to the last five transaction. In order to make my next purchase that has been going on and on since I deposited money through an ATM and the system somehow didn't have a exact amount on how much was deposited there was some kind of error. Now here 's my current problem with BofA I had gotten to an accident and was brought to the XXXX my car and belonging we're taking to a tow yard my wallet was in my car after getting outta XXXX I go to get my belongings and my wallet is no longer the car I check my account and money had been taking from my account so I called and reported it they canceled the card and at the end of the conversation I was told that the money won't be replaced til 45 days when an investigation is finished and from what I understand my money would be replaced immediately so I beginning to get into a verbal dispute with the lady and ask her for her supervisor and she says they're all busy right now that she can't transfer me I at this point am beyond angry and she hangs up on me and my claim she was in taking never gets submitted I find out because I never received a new debit card so I filed a XXXX  complaint after they received my report I get a letter stating I never made a claim then how did my card get cancelled. The letter also stated I was. Issued a new card but my online account stated the account didn't have a debit card assigned to it so I call back and they tell me my account has been closed and they don't need to explain to me why final decision.
Product: Money transfer, virtual currency, or money service

I am filing a complaint agains cashapp ( block, inc. ) due to inadequate customer service and unfair practices which violate The Consumer Financial Protection. i reached out to them for charging me every time i sent money to my friends for groceries or for food and would get charged fees and taxes and got sent to a robot not a real live person. Cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have costed me a significant Inconvenience and financial loss. and i seek appropriate redress for these violations.
Product: Credit card

I signed up for an 18 month duration US Bank interest free credit card, Acct XXXX :. zero % interest rate on purchases if minimum fee ( 1 % ) paid within 30 days I paid the 1 % minimum fee XX/XX/XXXX. The XX/XX/XXXX bill says " failed to pay the minimum fee '' and asserted the billing cycle was 29 days not 30, declared me in default of my 1 % minimum ; credited my minimum fee to XX/XX/XXXX bill, and charge 15 % interest and {$39.00} " fees '' and have charged me interest ever since. This is just plain fiction. I want it reversed
Product: Checking or savings account

I am a XXXX-year-old 100 % Service-Connected XXXX XXXX Veteran. My wife was admitted to an XXXX unit on XX/XX/XXXX for total XXXX XXXX. I buried my oldest son, an XXXX XXXX Veteran on XX/XX/XXXX after burying his younger sister on XX/XX/XXXX. 

Last year on XX/XX/XXXX, hackers got my personal information from the dark web and hacked my XXXX checking account. Once in the account, they made deposits and wrote checks until the balance was at a negative {$25000.00} balance. Then XXXX closed the account but left it open FOR DEPOAITS ONLY. They took my total deposits of Social Security, VA XXXX , XXXX XXXX and XXXX XXXX pension for the next three months and applied it against the negative {$25000.00}. The hackers saw that XXXX was connected to my local bank XXXX XXXX and they made deposits and withdrawals and left that account with a negative {$4900.00}. Both banks closed the accounts and sent to negative balances to XXXX XXXX for immediate collection. I was in the middle of a Chapter XXXX. When I couldnt make the payment, the trustee dismissed my Chapter. 

I reported the incident to the local police who told me they would take the complaint, but they would not investigate. I reported the incident to the Indiana Attorney General, Case Number XXXX. XXXX convinced the Indian Attorney that they had my voice on record giving the hackers the right to deposit {$14.00} XXXX to my account. Since I had given them permission to enter my account, I voided my Fraud Protection and FDIC insurance. I have changed my telephone number at least four times since XXXX. 

After the XXXX hack job, I began blocking ever telephone call that I didnt recognize. The hackers broke into my XXXX XXXX XXXX XXXX ( XXXX ) Checking Three time. XXXX XXXX worked with me, changed my checking account at least four times and my Debit card at least six times. Since the hackers were unsuccessful in contacting me by telephone, in XX/XX/XXXX, they sent here local venders to my home with products I didnt order : XXXX XXXX, A XXXX XXXX to remake the keys for my car and a XXXX to fix a leak in my bathroom. There instructions were to deliver the produce and get me on their telephone so they could talk to me. I told each vender to hang up immediately and report that person and telephone number to the local police and FBI. 

When I didnt answer their telephone calls, they had the legal firm XXXX XXXX XXXX XXXX, XXXX, Mail Stop : XXXX XXXX XXXX XXXX XXXX, DE XXXX send me an official letter requesting the executor to my estate. Reference # XXXX, Pin # XXXX. I will fax you a copy of the letter. The executor is to call that information to ( XXXX ) XXXX and enter the reference number and pin. I am sure thee are the same people who hacked my accounts in XX/XX/XXXX. They have all of my personal information from the Dark Web. 

It would appear to me that with the information required to file a Death Certificate, the individuals can be identified. These hackers need to be caught and put into jail. 

Respectfully, XXXX XXXX XXXX
Product: Credit card

I purchased a built in microwave under order # XXXX on XXXX I used {$150.00} in gift cards and put the remaining balance of {$290.00} on my Home Depot card. The installers came out on XXXX but stated they could not install where my current microwave was because I need a built in and purchased an over the range. They left with the microwave and said they were cancelling my order. They never gave me any paperwork. They just left. I have been in contact with XXXX XXXX over the course of XXXX XXXX weeks trying to get a refund on my XXXX XXXX card as well as my gift cards being restored of {$150.00} so I can purchase the right one, but they are giving me the run around. Like they have no clue what is going on. I think they just stoled my {$150.00} gift card and are still trying to charge me for the microwave. I have a payment due on XXXX but I have no microwave. I paid with gift card ending XXXX and gift card ending XXXX with the balance on my XXXX XXXX card ending XXXX
Product: Debt collection

Reference - Selene Finance Loan # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) Investor, XXXX XXXX XXXX XXXX XXXX XXXX purchased the delinguent mortgage/loan on my property. When they took over the mortgage/loan, they initially utilized XXXX XXXX XXXX to service the loan. The property was in foreclosure and owner had property listed for sale as XXXX XXXX and owner were working together. An offer was received and submitted to XXXX XXXX who then submitted to Investor. Investor provided an approval to XXXX XXXX which was communicated to owner that the offer was accepted and owner could execute the Agreement of Sale which Agreement of Sale was executed on XX/XX/XXXX, XXXX 

Shortly after receiving the approval and executing the Agreement of Sale, XXXX XXXX advised owner that Selene Finance would be taking over the servicing of the account as of XX/XX/2021. 

Owner had great difficulty communicating with Selene Finance after XX/XX/XXXX, and although despite the numerous communications initiated by owner and despite communicating the urgent nature of the communications with Selene Finance due to the pending settlement date of XX/XX/2021 on the subject property, Selene Finance failed to accept the urgency of the situation. In fact, Selene Finance refused to accept that there was an existing sale approval and insisted that they had to start the process all over again despite being provided the email communications with XXXX XXXX approving the offer and the execution of the Agreement of Sale between buyer and owner. 

Buyer and owner proceeded to settlement pursuant to the Agreement of Sale but Selene Finance would not approve the settlement stating that there were insufficient funds being netted to the Investor. Selene Finance and/or Investor caused the breach of the Agreement of Sale. Buyer has been advised that he will be sued by buyer and other interested parties, such as realtors, as a result of the breach of the Agreement of Sale. Investor and Selene Finance are attempting to fraudulently collect funds in excess of what they have already agreed to accept as a result of their prior approval of the Agreement of Sale.
Product: Credit reporting or other personal consumer reports

Equifax has been sharing my locked credit profile with XXXX XXXX without my consent. My credit profile has been locked for years. Equifax has no right to share my private personal financial information with XXXX XXXX  without my consent. This is not the first time Equifax has shared my private, personal credit profile with XXXX XXXX  while my credit profile was locked. It resulted in XXXX XXXX  reducing my overall credit limits on my credit cards and taking away my ability for cash advances because of the information they proactively received from Equifax. This is unlawful while my credit profile is blacked. That is the whole purpose of locking my credit profile so that I do not have unsolicited sharing of my personal information.
Product: Student loan

I am a XXXX and will be XXXX years old this year. I borrowed {$42000.00} for combined XXXX and XXXX school. I have been repaying my loans on time since XXXX. I have never been charged a late fee and purchased my house in Connecticut in XXXX with a 2.7 % interest rate because of my good credit rating. I contacted Navient to ask why I still owe {$41000.00} after paying {$340.00} a month for 16 years. I was informed that there were fees such as " administrative forbearance '' that accounted for my present principle balance. I requested my payment records and each month that I make a payment, the fees cancel out that payment. I have done everything possible to pay this debt. I consolidated my loans and applied for loan forgiveness while I was working as a XXXX at XXXX XXXX XXXX and was then informed that I was not qualified because XXXX XXXX XXXX was not a participating facility in the loan forgiveness program despite the fact that we XXXX. XXXX XXXX XXXX outsourced our jobs in XXXX, four months before I would have been able to retire with health benefits. I am now working at XXXX, who just laid off XXXX of my co-workers. I have repaid Navient and XXXX XXXX {$65000.00} to date and still owe {$41000.00}. I can not pay this off. I contacted the Ombudsman at the Department of Education who said that it was normal for Navient to charge administrative forebearance fees. I later learned that the Ombudsman works for Navient. My Social Security wages will be garnished. I understand that the people who invest in the XXXX XXXX XXXX are guaranteed income and that the Student Loan Servicers, XXXX XXXX in particular, have had their stocks increase by 65 % since XXXX was elected. But I am not going to survive.
Product: Credit card or prepaid card

I feel that discover card does not want me to pay my total balance off now that I can afford to do so . Two months in a row (    XX/XX/XXXX  and  XX/XX/XXXX  ) th ey did not draft the statement balance. They also did not notify me at all. Because I am fixing my financial situation, I am watching everything closely. That said, I caught it both times and called them my self to fix. After confirming with  Discover that my checking account number and my routing number we 're correct more than once, they now tell me there was fraud reported- in  XXXX . The y continue to jerk me around when all I want to do is pay them off. Please help?
Product: Credit card

I was a victim of an identity theft ring. In XXXX, I reached out to Fifth Third Bank about charges made on my credit card as a result of late payment. I wasn't able to resolve this issue with Fifth Third and was instructed by legal aid to wait until the case that was taken of by the Department of Justice finalize before continuing to contact bank. 
To prevent any further damages done, I paid off the card. I have provided, various times, evidence of identity theft to the company and in return they have sent back letters stating that the account and the card ( in which I do not and never had any possession of ) is valid. 
I am not asking to validate the account but I am asking for the late payments as a result of unauthorized charges be removed and account be reopened