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

Consumer ( Mr. XXXX XXXX ) invoking Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804, to obtain permanent injunctive relief, restitution, and other relief for Respondents violations of FTC Act, 15 U.S.C. 45 ( a ), and Safeguards Rule,16 C.F.R. Part 314. Experian Financial Services hereafter ( Experian Financial Services ) ( " EIS '' ) and Experian Holdings culpable on grounds avers as follows : ( " EIS '' ), ( Experian Financial Services ) ; Experian Holdings failure in properly notifying Plaintiff regarding Experian Data Breach and Cyber Security Attacks. As a result of the Data Breach, Plaintiff experience identity theft/fraud and fraudulent activity arising from their Data Breach, opening of fraudulent accounts by NYCSE, inaccurate credit reporting of the fraudulent activity ; defame Plaintiff good name, reputation, image and jeopardizing the holding of U.S. Government security clearance.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my TransUnion credit report that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I notified my bank, Chase, that there was a fraudulent transaction executed via XXXX impacting my checking account. {$1800.00} was stolen out of my account via XXXX. The fraudster hacked into my my computer, into my account, created a payee, and immediately executed a zelle payment. I was notified by the Chase system after which I immediately called and notified Chase, as it still showed " pending '' on my online view. Chase said that they will investigate. Come to learn now that Chase has ruled against their customer ( me ) and has refused to protect me, and refused to credit the money back that was stolen. I pleaded with them that despite it technically showing it was done via my computer ( which must have been hacked into ) and from the normal location ... that I did not know the recipient ( payee ), never authorized the transaction, called immediately notifying ... and nothing in my history shows any transaction of this nature, this amount, nor payment to this payee ever ( thus was totally inconsistent with past payment behavior ) ... Chase refused to budge and still deny, support, protection and consideration for their customer. Thus refuse to credit back stolen funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been getting updates and warning about my personal information being on the BLACK WEB. So I've been looking at my credit report and noticed XXXX XXXX XXXX on my credit report and I have never had or applied for a account with this company. This account shows to be open since XX/XX/2018.
Product: Checking or savings account

XXXX : Open a new Debit card account. 
XXXX : New Debit card on the way to me. 

I never received this new card. 

XXXX : This Debit card was activated by someone other than me. Alliant states that they have a recording of my voice calling in to activate this card and providing my SSN #. 

I did not do this. 

XXXX : A deposit of {$6400.00} was made to this account using a stolen XXXX check originally issued to someone I do not know. This person likely stole this check from someone else 's mailbox the same way they stole the debit card from my mail box and cashed it to my Alliant account under my name. 

XXXX : This amount was returned due to XXXX being notified of this being a Fraud. 
The person continued using this card making purchases, causing the card to be over-drafted because the check amount had been returned. 

XXXX : I was not able to access my online account. This is when I first contacted Alliant, to which they told me the account is under investigation. 

XXXX : I called asking for updates. Nothing. 
XXXX : I called again asking for updates. Nothing. 

Throughout each of these calls, Alliant would not disclose of the amount that was deposited nor would they tell me what charges had been made on this account. 

XXXX : A XXXX agent, XXXX XXXX XXXX contacted me regarding an insurance check that was cashed under my name. I have not been in any accident nor do I have insurance with XXXX. I met with this agent and gave my formal statement regarding this incident. 

I called Alliant again following the meeting and they informed me that the account has been closed down. No further actions required. I do not know the name of the person I spoke to this day. 

I have heard nothing from Alliant or XXXX regarding this issue. To my knowledge, this has all been taken care of. 

XXXX. XXXX : I went into check my credit scores and saw that there is an account tied to Alliant, saying that I owe {$1200.00} to Alliant. This is the over-drafted amount after the altered check was returned to XXXX. This is when I called Alliant again and left a voicemail for a XXXX XXXX. 

XX/XX/XXXX : XXXX sent me over to the Fraud department at Alliant to which they informed me that this amount is owed by me and that the investigation had been closed on their end. Alliant never informed me of this amount nor did they say I would be responsible for it. Again, stating that they have voice recording of this. 

XXXX. XXXX : I called XXXX back and she agreed to send over all bank statements including the one from XXXX which shows activities on the account in the month that this fraud charges happened. She also informed me that they do not store Check images when I asked for the information on that check cashed under my name but she provided the ATM location and date that the fraud check was deposited to. 

I am now in the process of filing a police report in order to use this to remove the account and collection charges from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax had data breach and my information was apart of that data breach
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding XXXX collections accounts in the name of XXXX XXXX XXXX on my credit report that do not belong to me. I do not owe this debt and I have never received any documentation from XXXX XXXX XXXX that I indeed to owe this debt and I have never received any documentation which includes a signature from me that I have agreed to pay this debt. XXXX XXXX XXXX is not responsive to me and I demand that these XXXX collections / derogatory marks are immediately removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. i need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them.

Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items i have provided in my letters I am asking you to delete them immediately or I will have to file litigation due to the stress you caused me.
Product: Mortgage

We are hoping that you have some power to push Gregory Funding to provide us a review for mortgage assistance on our home mortgage. We fell behind on our payments due to an unforeseen financial downfall, but are back on our feet and want to keep our home. However, Gregory Funding isnt providing us with the guidance we need to ensure that we can resume making payments on our delinquent mortgage loan. Something is amiss with their representatives as they seem to not care about whether or not we keep our home. We have tried repeatedly to engage them in discussions about a loan modification or forbearance, but our requests are falling on deaf ears. Our mortgage loan qualifies for mortgage assistance and our mortgage payment is affordable, but we can not seem to get the communication going with Gregory Funding. When I did speak with their staff to obtain some assistance, I was treated very rudely. Last year my family had some very serious health issues which cost me almost {$40000.00}. We had to make a choice between taking care of my familys health or fall behind on my mortgage payments. It is unfortunate that we had to become delinquent on the mortgage payment, but we are ready to get our loan current and start making payments again. We tried to be proactive and address this issue and figure something out, but their staff hasleft a bad taste in our mouths and have obstructed us. We feel we have never had an opportunity for review, have never had an opportunity for a real discussion on how to fix our delinquency and feel we have never been given any options other than foreclosure. We have read a lot about how homeowners get helped through a modification or forbearance and are interested in either option that will keep us in our home. We are not sure if you can help, but we believe that you are the right agency to oversee their actions.
Product: Credit card or prepaid card

XXXX XXXX Opened on XX/XX/2022 in the amount of {$400.00}. I called the company and the credit bureaus, and explained to them that I was a victim of identity theft. My roommate stole my information and presented to be me and got multiple credit cards in my name without my permission.
Product: Debt collection

For several months I have been writing to XXXX and Exeter about an account reporting to my credit report with them. I disputed the accounts with the three major bureau 's but the information came back as certified by the furnisher however when I have requested information in regards to these accounts I am not receiving all of the documents requested. In the state of Florida a company who repossess a car should provide a notice to the borrower 10 days prior to the sales date and must notify the borrower of the time and location of where the vehicle will be sold. Today, XX/XX/2021 I called Exeter Finance and spoke to a customer service rep XXXX I advised her that I never received notice of the sale or a breakdown of the deficiency balance. She advised that she could not send me that information due to " time sensitivity '' I advised that as a consumer I feel as though I have the right to access information regarding the accuracy of information reporting to my credit report. I then called XXXX and spoke to XXXX XXXX who advised me that she would be willing to arrange a pay for delete for {$1500.00} if I did not request to validate the debt. I told her I appreciate the offer however I have a right to receive this information. XXXX XXXX then advised that the validating information was sent to my home XX/XX/2021 per a letter received XX/XX/2021 when the last time I sent them mail was XX/XX/2021 and as of today XX/XX/2021 the information has not arrived to my home. I called back and notified XXXX that I had not mailed anything to their offices in late XXXX or early XXXX and her response on the recorded line is due to Covid we are possibly backed up. I am curious to know how the bureau were told this information was certified by Exeter Finance or XXXX XXXX XXXX so quickly with the bureau 's
Product: Credit reporting, credit repair services, or other personal consumer reports

BridgecrestXXXX  is reporting inaccurate information to all credit bureaus. They're reporting to XXXX that I have over 5 missed payments and the account is in negative status. However, this vehicle was totals in XX/XX/2021. It was paid in full and in good standing and payments were made until the point insurance took over. They have reported that insurance took too long to send a check therefore inaccurately reported delinquency. My insurance partially paid and quick. Their additional GAP insurance issued through XXXX XXXX  is what prolonged the check. This is a partner company for them so they both should have been communicating with each other. 

I have contacted the CEO of the company, and she made an XXXX call from the executive offices who was no help whatsoever.
Product: Debt collection

Prof Fin Co XXXX  XXXX ) Put me into collections for XXXX in XXXX of XXXX and I have never received one letter. I have no clue who I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion DELETED XXXX XXXX XXXX XXXX Paid in full joint Auto loan account off my credit report when I disputed. XXXX constantly provided false info and inaccurate payment information about this financial transaction to Transunion which left me no choice but to dispute each and every time. On XX/XX/XXXX it was deleted off my credit report and when I called in and spoke with a XXXX on XX/XX/XXXX she informed me that XXXX  deleted it off my credit report and their reason she stated in the notes is " this account does NOT belong to me XXXX XXXX ) '' when they know for a fact that this is my account and that it does belong to me and how they know is by my DOB and social security number. So XXXX told me to asked them to Reinsert it back into my credit file with updated information and they should do it well I did that 3 times by fax and certified letter and XXXX said in letter form that " they did NOT delete this account off my credit report they blame it on Transunion and say they were the ones who deleted it off my credit and it has been over 2 months that this has NOT been on my credit. I then called again to Transunion and spoke with a XXXX who said that they Transunion did NOT delete this account and that XXXX XXXX XXXX deleted and all Transunion do is report what they and other creditors provide to them so I faxed Transunion a letter REQUESTING them to put this account back on my credit at once and by the end of the month and to have a manager call me and Transunion has NOT responded. Meanwhile I am damaged by this malicious action and don't know who is telling the truth and who is lying. I even attached the letter XXXX sent me to the fax to Transunion. This account is a good standing account and is a plus to my credit and if it was a bad account that was repo or in collections then worst it WOULD NOT BE DELETED and would stay on my credit report for 7 to 10yrs where it would NOT be deleted until then so why harm my credit then be malicious and discriminatory against me when I disputed. This is NOT right
Product: Checking or savings account

I had disputed a charge with Bank of America over 130 days ago their policy on disputes and redisputes give a timeframe of up to 90 days it has been over 130 days with no response or resolution on the dispute despite me sending in supporting documents multiple times
Product: Money transfer, virtual currency, or money service

Sent money thru XXXX mistakenly to wrong individual & then called the bank to rectify the mistake and was told there's nothing they can do about it. This was manly over the course of XXXX.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX I called opploans on tuesday on the XX/XX/XXXX to schedule a partial payment of XXXX dollars for my loan. And when i checked my bank account online they charged me twice the full amount of the minimum and the partial payment. I have other bill payments scheduled today and their negligence will cause my bank to overdraft and my insurance company will cancel my insurance for returned payment. The only thing I want to happen is for them to put my money back to my card. My bills can not wait 1 week and they adviced me to wait one week for the refund. I need your assistance regarding this matter. Thank
Product: Credit card

I the consumer submitted an application on XXXX Reference no. XXXX Amex Gold card & XXXX Amex Platinum card and was Denied. 12 CFR 10021 ( a ) ( b ) with Maximum allowable by the applicable law ( 12 CFR 1022 ( v ) 12 CFR 1002.7. Withholding my access to my Credit is Securities fraud. AMERICAN EXPRESS is in Violation of the equal opportunity act & .consumer credit protection act. AMERICAN EXPRESS is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against due to no response. American Express is in violation of 15 USC code 1642 USC 1681m & 12 CFR 1002 because I the consumer gave them an application ( security ) in good faith and but credit was not issued. Furthermore, because my social security number ( credit card ) was used & I received NO benefit this is PROOF of securities fraud ( UNAUTHORIZED USE OF CREDIT ) on behalf of AMERICAN EXPRESS. As listed in ( 424b5 Prospectus & ) UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, XXXX XXXX FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended XX/XX/XXXX or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 5. Asset Securitizations We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account Master Trust ( the Lending Trust ) and American Express Issuance Trust II ( the Charge Trust and together with the Lending Trust, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. If American Express fails to send me both my Credit Cards i will indeed make American Express criminally & civilly liable for all actual damages pursuant to 15 USC 1681n & 15 USC 1681. I will also follow up with an invoice for said violations ( {$1000.00} ) per violation. Account will be Open-ended/No Preset limit. Accounts will be automatically adjusted for each balanced statement. If compliance with your Indenture Agreement & SEC Filing is not honored I will contact the SEC for violation of said agreement.
Product: Debt collection

The Bureaus Inc continues to violate federal and state laws pertaining to debt collection agencies. The Bureaus Inc can not and have not gave me proof of their claim that I owe them. They continue to create and attach documents which doesn't bare my signature and statements which doesn't contain my correct address. I have sent several letters to the alleged collection agency and they refuse to terminate all collection efforts. The Bureaus Inc is not licensed as a collection agency in the State of Illinois with the Illinois Department of XXXX XXXX XXXX XXXX which goes against state law, however they continue to unlawfully try to collect alleged debts. I am requesting the Consumer Financial Protection Bureau investigate into this fraudulent company and their deceptive practices and willful and negligent noncompliance with state and federal laws. 
Please find screen recording attached of me trying to search for The Bureaus, Inc collection agency license in the Illinois Department of XXXX XXXX XXXX XXXX database and no such license populated. ( I tried searching different variations of their name )
Product: Student loan

I dont have specific dates but a while back I submitted a reamortization request for my loan at Firstmark Services because I paid extra toward my principle. The monthly payment wasnt lowered as much as I thought it would be based on my calculations so I asked to see the paperwork for their calculations about 3 weeks ago. They said they could do this but around a week went by and I got nothing so I called back. They said that the request had been denied for an unknown reason so they submitted another request. Maybe around a week later I followed up because I still hadnt heard anything. They said the department was backed up because of the looming tax deadline and suggested I call back today if I hadnt gotten a response. This made sense to me so I obliged. Still havent gotten anything as of today so called and the loan advisor told me that I had to reach out directly to the customer service department. So I just did that XXXX minutes ago but Im doubtful Ill get the help I need based on my past interactions. Its a simple request and it feels like Im just getting bounced around. Seems like they are up to something sketchy. I know they make less money when I prepay which is why I think this. In the meantime while I am waiting for this paperwork my interest continues to pile up day after day. I have been holding off making another large payment toward my principle until I get this paperwork.
Product: Debt collection

I recently obtained a copy of my credit report. Shockingly there were 7 different accounts placed in collections by the same company on different dates for varying amounts that I was never sent a bill or account statement for. Fidelity properties INC which I believe collects for XXXX XXXX. None of these dates coincide with medical treatment that I have received and the amounts make no sense. XX/XX/XXXX there are 2 accounts one for {$100.00} and the other for {$160.00}. XX/XX/XXXX has 3 separate collections accounts listed from the same place {$160.00}, {$180.00}, {$220.00}???? I did not get any type of medical treatment 3 times in one day! Nor did I get any treatment at all. No bills, just showed up on my credit report. My credit has been significantly destroyed by this.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I strongly believe they are fraudulent. I implore you to conduct a thorough investigation and promptly remove them from my credit report.
Product: Debt collection

Called multiple times. Last call was XX/XX/2018 at XXXX. After calling the robot call back, I talked with agent and found out it was for someone who previously owned phone number. I informed them this is the wrong household and to remove from their calling list.
Product: Credit reporting or other personal consumer reports

XXXX granted a {$2000.00} credit card limit in XXXX. Not only did I make payments, but they have been reporting for years a balance of {$7400.00} that I have reported not only fraudulent but unauthorized charges. 

How is a {$2000.00} credit card limit charged {$7400.00}? And no information on my payments to card and consistently reporting a verified as accurate. In XXXX, I submitted a police report in XXXX, XXXX. I have not lived in XXXX in over XXXX XXXX
Product: Prepaid card

Made a complaint to the CFPB XX/XX/XXXX. XXXX made XX/XX/XXXX. XXXX XXXX XXXX  The company never followed up with their promise. Its now XX/XX/XXXX. Thats a whole week of business days. I called them today on XX/XX/XXXX and they said that they have not shipped out the card and that when they do itll take XXXX business days. This is completely different from the resolution in the complaint listed above. They also said the case was still open despite it being closed. VERY upset right now at having been lied to several times.