23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX 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 the following information items. 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. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud
Product: Debt collection

I had a credit card with Continental Finance Company but had not used this credit card in over a year and no longer have the card because it was at a XXXX balance. However, they keep adding fees, late fees, interest and penalties to the account. I get periodic emails from them saying a payment is due and to login in to their website to see my statement, but couldn't log into their website because I do not have the account number to register for an online account. I could not see my account, and could not see any statements. I called to them over 5 times to request a replacement card and that my statements be mailed so I can somehow look at my account. I never received either. The last time I spoke to them they said my balance was over {$500.00}, and none of the charges were due to any spending. They were just fees, penalties, and interest piling on top of each other. At that point I told them to close my account and to stop charging me. 

I told them to close my account and requested a statement showing all of the charges they are charging me for. Now I'm also getting notices from the credit bureaus saying my payments are late, even though the account is closed. The representative I last spoke to over the phone also could not tell me why my balance was so high when I had not made any charges on the card and had a XXXX  balance.
Product: Checking or savings account

I have a Bank of America EDD account, I live in California and somehow someone was able to make several transactions at one time in XXXX completely draining my account. I have reported this to BoA before the payments even posted and Bank of America said they wouldnt call the merchant to block or reverse the transactions and that they needed to post before they could make a fraud claim. It has been two weeks sense i made my claim and boa still has my claim processing and there is no point of contact to reach out to via phone or email to see why its still pending. They are just telling me to wait. And theres nothing they or i can do until it either gets approved or rejected. This edd program is under contract that recipients are supposed to be refunded for fraudulent claims. This bank seems to think if they leave my claim pending that they dont have to reimburse me my money.
Product: Debt collection

My savings account was cleaned out by Bank of America on XX/XX/XXXX. I called bank but they only gave me a telephone number of the prosecuting assistant attorney in XXXX. 
A suit is filed in California., my account is in XXXX XXXX. There is another person on my account who has a debit card but he is the wrong person being sued. All money was mine, they took over 6000 Dollars and said I owe over 49,000 dollars. 
After I received a copy of the Acknowledgement of Service to the persons with same name. Man 's name is the same then the person on my account and married to a XXXX with the same last name ( but its not mine last name ) and have been served notice in XXXX XXXX. 
I neither nor my friend on my bank account are married and don't owe any money. Suit was filed as criminal suit. 
Why did bank not check my birthdate, SS, and that of Mr. ... ... By the way, XXXX XXXX lives in XXXX since birth and at the time of service I was in XXXX. 
No one at the bank will talk to me how they can do this without checking if we are the persons. I never get thru to the person who signed the order, XXXX XXXX in Delaware, BoA. 
We spoke to assistant attorney at XXXX XXXX of California, Mr. XXXX XXXX. That was 2 weeks ago. We answered questions he needed to clear our names. 
He said he would contact BoA and see why they sued us since we have nothing to do with it. 
I was told I need an attorney in California but everyone I contact did not want to take the case and clear our names and file the proper papers. 
I am on SS and afraid they will take money out of my checking acccount which they did for attorney fees and I think my heart will not take this absurd pressure anymore. I am XXXX and by the way my credit score is over 800. 

Please help us. 
Thank you
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning inaccurate and unauthorized collections reported on my credit report by Equifax. I have previously informed the debt collectors responsible for these accounts to cease all communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which requires debt collectors to stop communicating after receiving a cease-and-desist request. Despite this, these collectors continue to report these accounts to Equifax, which effectively serves as a form of communication that negatively impacts my credit score and financial standing. This reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and remains on my report even after I disputed it.
Product: Student loan

I do not remember the exact dates, but what happened is : As Aidvantage took over my student loans, they told me my payment was going to be {$170.00} a month. I paid that original amount, then asked to switch to SAVE. I was told the monthly payment would be {$55.00}. The following month, Aidvantage showed that I would owe over {$800.00} that month and every month following. I chatted back in and they said they would resubmit the calculations and again stated {$55.00}, my account was put into forbearance ( still accruing interest of course ), I checked back in a week or two and my payment was still over {$200.00}. 

I began to chat back in to get this taken care of, but the chat service showed that the agents were disconnecting the chat as soon as it was answered. This continued on until the end of their business day. 

I chatted in again today and they confirmed the payment should only be {$55.00}. They said they confirm that that number is correct, but will send up a request for investigation/research on why this issue continues to happen. For now, I am stuck paying {$230.00} auto-debit because they can't seem to get this right. 

Being unable to reach anyone consistently, seeing large balances, especially {$800.00} balances, is very draining.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item on my ( XXXX XXXX ) and my wife 's ( XXXX XXXX ) clue report. This item occurs XX/XX/XXXX : Two seperate accidents reported on both reports itemPer Law,  Lexis Nexus had thirty days to respond to my initial dispute that occurred on XXXX ( case XXXX ) and failed to comply. I called to initiate the dispute XXXX. I then called seeking resolution on Monday XXXX XXXX. I was notified the dispute was open and I could call on Friday as Lexis Nexis had until Thursday to respond. I called back on Friday XXXX XXXX and was told the dispute was closed but there had been no resolution letter or response generated. They would have an individual call me once they figured out what occured and provide resolution. I did n't recieve a call back. On Monday XXXX XXXX I called again and spoke with XXXX who again told me there was no resolution letter generated and confirmed the 30 days had passed. I requested all of my data in question to be deleted per law. She stated she would call me back. After recieving a missed call about two hours later, I called back and spoke with XXXX on XXXX XXXX and was told a resolution letter was now generated and it was read to me. He stated it would be mailed and emailed out to me. As of XXXX XXXX I have not received anything from Lexis Nexis. Per law the items in question must be removed from my clue report as it took longer then what than the allowed time to respond. I have recordings of conversations and documents that substantiate my claim.
Product: Bank account or service

I came to the branch to make a deposit and it took a very long time because there was only XXXX open. It 's the XXXX of the month and the branch is not prepared to handle the customers
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX XXXX  {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) XXXX XXXX Bills which i disputed 4 years ago and shouldn't be on my credit report : XXXX XXXX {$1600.00} XXXX XXXX XXXX  {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX. XXXX Now XXXX. XXXX Now
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent in some paperwork the other week to clear up some mis information with JPMCB and it seems there has yet to be action taken. i need the misinformation removed from my report for all fairness. they are requesting absurd amounts of money that i am not liable for.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion are reporting my consumer reports improperly as they CAN NOT continue to report an account as " charge off '' each month AFTER the account had been close. The consumer report should state the account is closed and each month after it must be reported as " no data ''. However because they are reporting it as charged off each month, which is inaccurate, it is hurting my ability to get an extension of credit. I demand that they delete this inaccurate information from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that my social security number appeared on the dark web, so I immediately was able to place a fraud alert and freeze my credit on XXXX and XXXX. However, Experian only applied the fraud alert. When I tried to freeze my account, it gave me a message that I needed to mail all of my identifying information to a po box in Allen, TX. 

I tried calling them at XXXX several times, but I could not get past the automated operator. After I kept repeating representative, she hung up.

1. This violates the Fair Credit Reporting Act 2. By the time my information arrives in Texas, I can be compromised.

3. Why could they apply the fraud alert, but not the freeze when they both require the same information? The answer is that they sell a solution for {$24.00} per month so they want you to buy the service instead of following the process for which they are required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed public records listed XXXX and XXXX with Experian and in response Experian verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to Experian or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve Experian of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company a total of 6 times within the past year and have never received an answer regarding information on my credit report. I requested for this company to complete a fair investigation, Not only did this company fail to do that but they are knowingly reporting false information on my credit report. Many account have been illegally re aged, many collection agency accounts show a past due balance, many have the incorrect balances. At this point the credit bureau has absoublely disregarded every single one of my request! This is illegal and i need help rectifying the erroneous reporting on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

In XXXX of XXXX I got a loan through credit acceptance for a XXXX XXXX XXXX XXXX  The car was originally priced at {$10000.00} and I was given a 22.99 % interest rate. This made the finance charge come up to XXXX. I gave the dealership XXXX but it was only reported on the paperwork from credit acceptance that I gave them XXXX down. Fast forward to XX/XX/XXXX I completely paid off the loan.
Product: Prepaid card

I placed an order online with XXXX in my RushCard account show as pending, called the company several times & I 'm being told they do n't see a transaction but my money is gone from my account balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts sending dispute letters and calling all 3 major credit reporting agencies to remove these hard inquiries to no avail they still remain on my credit report XXXXXXXX XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  dated XX/XX/XXXX, I am writing to you because you reporting the above inquiries on my report that I DO NOT recall please provide proof I applied for credit with these creditors, If you can not provide such information please permanently delete all inquires listed above from my credit report
Product: Mortgage

Paperwork going through lawyer prior to me receiving so I get documents late. Unable to talk with loss department. Denied three times stating I neglected to make the first payment but by the time I made decision to take on the proposal it would be too late. They are a difficult company to talk to or even get results from
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXXXXXX XXXX  I HAVE FILED MULTIPLE REPORTS OF INFORMATION BEING STOLEN AND REPORTED FROM PREVIOUS ADDRES VIA MAIL I HAVE NEVER REXEIVED PROOF OF DEBTS OWED VIA CERTIFIED RECEIPT VIA CERTIFIED MAIL THE FOLLOWING ACCOUNTS AND NUBERS ARE UNAUTHORIZED AND VIOLATES MY FCRA XXXX, AND XXXX CONSUMER RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

According to the documentation provided by Selene Finance, the calculations are still incorrect for the proclaimed shortage. 
Totals for XXXX taxes and insurance was {$7700.00}. 
Totals for XXXX taxes and insurance was {$9300.00}. 
My escrow collected by Selene Finance for XXXX was {$7300.00}. 
My escrow collected by Selene Finance for XXXX was {$5200.00}. 
Taxes and insurance for both years totals {$17000.00}. 
Total escrow collected by Selene Finance for both years was {$12000.00}. 
The difference being {$4400.00}. NOT the claimed {$8900.00}.

Based on Selene Finances own documents their Math is incorrect. I have now paid three months based off incorrect amounts.

I would like for Selene Finance to recalculate my payments with the correct math and apply previous paid amounts to the existing shortage of {$4400.00}. 
The total paid in for " shortage '' to date is {$2400.00}. 
For Reference : XX/XX/XXXX I paid {$920.00} for shortage alone. 
XX/XX/XXXX I paid {$740.00} for shortage alone. 
XX/XX/XXXX I paid {$740.00} for shortage alone. 
This means I only owe a remainder of {$2000.00} in claimed shortage. I do believe the projected 2025 years escrow to be correct. The {$890.00} escrow being collected is not being disputed only the claimed shortage.
Product: Debt collection

I do not owe this bill. XXXX was aware years ago this was id theft. I requested or this company remove this off my credit report. I never received anything in writing from this company. next thing I know this on my credit. this company just put on here. I wrote a letter of dispute as well demanding they remove 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXXXXXX XXXX  XXXX. 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their disputes resolution process was unfair and deceptive, as they did not comply resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E .These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. The  Dept of Education tells m e they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( th e default ) however, they should have to report my payments and show that I am trying.