23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint regarding an account that appears to have been fraudulently opened in my name without my consent. Upon reviewing my credit report, I discovered an account that I did not authorize or initiate. The details of the account are as follows : Account : Comenity Bank / Jareds Date Opened : XX/XX/year> as per credit report Current Balance : XXXX From what I know, my ex-partner is the individual who opened this account and used it for her financial gain. I attempted to resolve this issue directly with the company in question, but they refused to open a case or provide me with the necessary information to make a complaint, citing that it has been a long time since the account was opened. 

I want to emphasize that I have no knowledge of this account, nor did I give permission for it to be opened. I believe that my personal information may have been compromised, as similar incidents have occurred with other credit card companies. 

I am deeply concerned about the implications of identity theft and the potential damage it could cause to my financial reputation. I request that the Consumer Financial Protection Bureau intervene in this matter and assist me in resolving this dispute with the company. 

Furthermore, I request that the company conduct a thorough investigation into this matter. It is imperative that they confirm that I did not authorize the creation of this account. 

I also request that the company take immediate action to remove this fraudulent account from my credit report. False information such as this is damaging to my financial reputation and credibility. 

Please provide me with written confirmation once an investigation has been initiated and the fraudulent account has been removed from my credit report. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint with the seriousness and urgency it deserves.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Reports and noticed several late payments on an account I was never late for. 

The account is for XXXX XXXX and the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to " On Time '' as they should be. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to Ally that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXXXXXX  in full
Product: Checking or savings account

I was a victim of a romance scam scheme, where I was told what to do and where to send the funds under false pretenses, and ultimately my funds were held at an application the fraudster created and I was not able to retrieve them, as my account was deleted, and XXXX  would not reverse the transactions and wont refund my money. I met this horrible person in a social media all and I was nurtured into believing I could make money with Crypto following his/her/it guidance while making believe there was a legitimate romantic interest as well. After realizing i was a victim of a scam, I submitted claims with my bank and my claims with Bank of America have been rejected multiple times due to the lack of supporting documentation submitted by the claimant ( myself ). I conducted transactions in question totaling {$5600.00} processed between XX/XX/22 and XX/XX/22, I was a victim of authorized push payment fraud ( I have explained this several times over the phone with a claim agent ). Bank of America and its affiliates have purposely ignored my claims and rejected them based on the fact that I conducted the transactions myself as opposed to conducting a thorough investigation and do their due diligence in order to get the facts of how I was a victim of a scam ( I have not even received a phone call for an interview ). Now, I have spent countless hours of my time, around {$400.00} of my own personal money in order to buy a printer, around 5 cartridges, 2 blocks of paper and shipping costs in order to gather and send over 500 pages of evidence to them ( it was returned and i went to the branch and they refused to fax them over to fraud department ). I have never conducted transactions involving crypto or any similar crypto exchange platform.. I filed with XXXX as well. I have been a BOA customer for almost 10 years now and I have never been treated with such dismissiveness by this well-known financial institution. I have suffered financial loss and due to the stress of this situation Im suffering from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as Im tired of losing battles with whats supposed to be a bank that cares for its customers. Due to the large number of pages included in the conversations me and the fraudster had, Bank of America returned the package with over 500 pages of evidence and then refused to fax them to the fraud department once I went into a BOA branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX claiming it would take countless hours which they didnt have the staff for. And therefore, I havent been able to relay that important piece of evidence to them.
Product: Checking or savings account

I attempted to send money via XXXX in my Citi bank account. Citi then requested my pin which I do not have since I never received my debit card since account opening. They then locked my account and won't let me sign into my account and access my funds at all. After speaking with multiple support and asking if they could simply unlock my account so I can log in, they say it's not possible without my account number, the debit card number, my social and the security word. I told them the account number and debit card are impossible to get without me being able to log into my account. I have my Citi credit card number, which they will not accept for verification even though the account is linked together. I asked if they could send me a replacement card or banking statement to the address on file to which they say they can't. With no Citi branch within Texas, they then told me to mail a physical letter just to ask if I could receive a replacement card or banking statement with a 2-6 week turnaround, requiring my drivers license and social which I already have provided over the call. Lastly, even when asked they will not provide the hint related to the security word, making it impossible to recollect. Who could possibly wait for that long of a response time when we have bills to pay?
Product: Mortgage

I fell behind on my mortgage in XXXX 2016 due to unemployment. I hired an attorney to help me submit my paperwork to Bank of America to ask for a loan modification to save my home. Bank of America confirmed they received my application in XXXX 2016. My attorney worked with them to get them all the requested documents for a complete financial package by early XXXX 2016. While I was in the review process, Bank of America mailed me an automatic Streamline Modification offer ( dated XXXX/XXXX/16 ; attached ). My attorney advised Bank of America that I was not interested in the Streamline Modification program because it has a higher payment than the HAMP program. My attorney repeatedly asked Bank of America to remove the Streamline Modification offer because I wanted to be reviewed for the HAMP modification program instead. Bank of America repeatedly told my attorney that they would review my loan for the HAMP program. Thus far they have NOT reviewed me for the HAMP program. They keep sending me letters trying to get me to accept the ( WORSE with a higher payment ) Streamline Mod offer. Now my attorney recently followed up with Bank of America and they state there is no review open any longer. Basically they cancelled my HAMP review because they are trying to force me to take the Streamline Modification offer that has a much higher payment than the HAMP program. Now the HAMP program has expired and Bank of America evaded reviewing me for the requested HAMP program. I know they had a complete file because they approved me for a modification on my 2nd mortgage. I do no think it was right for Bank of America to evade reviewing me for HAMP solely because their system had already approved me for a worse higher payment ( Streamline Mod ). My application was in before HAMP expired and Bank of American should not be able to evade reviewing me solely becuase they want me to take a worse program ( Streamline Mod ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts onn all three bureaus that are not mine They have never been mine I have not applied used or owned such credit cards I need this off my credit I have opened an FTC regarding this and I have sent out disputes to all bureaus and furnishers to remove these since they do not belong to me!!! 

Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my Equifax, XXXX and XXXX report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my Equifax, XXXX, and XXXX reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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: Credit card

I took a XXXX XXXX balance transfer offer with XXXX XXXX XXXX XXXX XXXX XXXX ) and made my minimum payments until the XXXX XXXX rate ended on XXXX XXXX statement period. On XX/XX/year> I paid both the minimum amount plus the extra amount of the tranche that expired in full. This tranche started accruing interest on XX/XX/year> at a rate of XXXX XXXX. My problem is they applied the " extra '' amount another balance transfer I had but has not expired at a XXXX XXXX XXXX. Based on the discussion I had with the agent of the credit card company, there is no way for me to pay the expired balance transfer tranche off before I receive the next monthly cycle bill and thus am forced to be hit with XXXX month of XXXX % interest rate and have no option to avoid it. The agent claimed this is how the government tells them to process these payments, but I have had a different process done with other credit cards. If what this agent claims is accurate, how is this " law '' for the benefit of a consumer who pays his bill off early or timely? It is a penalty and now I am forced to find another {$3800.00} to pay off this rate that I do not have right now and am forced to pay XXXX XXXX higher than I shoud l have to. Is this the intent of the law? Please advise.
Product: Debt collection

This company has reported this as a new debt on on credit report but this debt is several years old. The information is false.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Checking or savings account

ACCORDING TO FRCA SECTION 605B, IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION, THANK YOU PLEASE REMOVE FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

Someone was using my SSN and personal information to open that credit card in the year of 2023 ( XXXX XXXX credit card ), the one with the unpaid balance.
Product: Mortgage

My mortgage co, XXXX, filed for chapter XXXX and my mortgage was sold to Shellpoint mortgage services. Although my loan was in good standing with XXXX immediately Shellpoint declared me in default with intention to accelerate. My subsequent payments to Shellpoint have not been credited to my mortgage. They are billing me for forced insurance after I obtained private insurance and notified Shellpoint, which their insuance dept.acknowledged. Phone calls have been useless. I have sent copies of my bank statement as proof of payment. Shellpoint received these documents XX/XX/2020 but have not acknowledged them. My latest billing from them shows 0 payments since they took over XXXX. My money seems to have disappeared into Shellpoints ' rabbit hole.I have tried several times to contact one of the various point people they have listed but I have not ever been able to speak to any of them, even after 20 to 30 minutes on hold.
Product: Vehicle loan or lease

We were making payments as agreed  with GM Financial on our account for the balance left on our vehicle that was a voluntary repossession . They wanted to raise our payments & provide additional credit towards our balance. They also offered a settlement option  XXXX   2016 . Based on the information they provided at the time, I agreed to the settlement. I am attaching supporting documentation for the {$9000.00} settlement. I took the amount out of my pension account & considered the debt weighed more than the the tax penalty. In  XXXX   2016  we received the settled in full letter. In addition without ever notifying me through this process, we received a  XXXX  for {$8000.00}. This was double impact to our taxes. I called  XXXX  & inquired as to why we were sent the  XXXX  & was advised that IRS required it to be sent out end of story. They failed to disclose this detail when they offered the settlement. I would have never proceeded with the settlement offer & would have worked out an acceptable revised payment plan. I am now faced with tax penalty on my retirement & additional taxable income based on the  XXXX . This was very negligible on their part & I hope you are able to assist with reversing the  XXXX  due to non disclosure. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

We got billed more than one item. We didnt approve charges and company told us multiple times we needed to pay either way. We disconnected with company right away. But now it is on our credit history. We dont find it fair that we got charged extra. And not even the fees.
Product: Credit reporting or other personal consumer reports

DEPT OF EDUCATIONXXXX : # XXXX, XXXX XXXX  : # XX/XX/year>, has violated my rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 - ZIONS is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. It is the CFPB 's job to protect the consumer and ENFORCE the LAW. ZIONS has also never validated the alleged debt they CLAIM I owe. And they are also not honoring my request to opt out which I have sent sever times which is also an unlawful act on their behalf. Please forward to general counsel. 16 CFR Part 313
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For almost two years I have been attempting to make payments on my mortgage with no assistance. I did a Forbearance for Covid in XXXX  and negotiated a new contract and payments. That company was bought out and since then my mortgage has been a mess. I had sent in the first payment and attempted the second payment when the money was sent back to me. I renegotiated a new deal with Truist and began to make payments. They informed me it would not be official until i signed the deal and mailed back to them. I agreed to this however never received the new deal. After months of calling and searching for it but still making payments they sent me all the money back because it didn't catch me up. When speaking with a rep they said there was an error and best way to fix is to do the forbearance again and restart the process with them. I filed for that to happen and once again never received in the mail the new contract. Was informed could have it emailed to me in which i would print it off, sign, and mail in. This never was sent to me either and when calling I speak to a new person each time who has to review my notes. Multiple times while reviewing and placing me on hold they have hung up and not called back. In this time I have received foreclosure notices, annual statements, and late fees in the mail. The stress and uncertainty this company has put me through during this time is unjust and should not be this hard to resolve with someone willing and looking to pay. I attempted to refinance with another company but said when they called it couldn't be found because it was in a limbo of sorts. Now it is showing up on my credit report and affecting me in many negative ways. This has put a pause on my life and my families. I have attached only a handful of items as proof of the misconduct this company has performed
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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
Product: Credit reporting or other personal consumer reports

My information being reported is erroneous and needs to be corrected. I have a lot of my consumer rights violated.