23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My name is listed as a guarantor on a XXXX line of credit opened by my ex husband XX/XX/XXXX with Bank of America. I found out about this last XX/XX/XXXX when I received an email about ordering checks, which I did not. Since then I have spoken to over 20 BOA employees, faxed them my divorce decree and visited several banking centers. I have spent hours during the past several months talking with various employees, getting no where. I have been told that if my ex fails to pay on his loan, they are coming after me! My ex and I have been divorced since XX/XX/XXXX, and I have NOTHING to do with his business, yet BOA has somehow included my name on his line of credit for his current business. I never signed any paperwork, nor did BOA verify me, or contact me, but yet they have me listed as a guarantor on my ex 's XXXX credit line. I filed a fraud report XX/XX/XXXX worked with a XXXX, for several months. She told me in XX/XX/XXXX that she removed my name and social from one account number ending in XXXX.But she told me my name is still listed on the account ending in XXXX and she can not help me.When I visited a local BOA banking center, my name is STILL listed on at least 2 accounts involving my ex and his business line. My ex has called several BOA employees and has gotten the same run around.There seems to be several account numbers linked. We believe that BOA pulled up information from 20 years ago when we were married, and never verified current information. We had credit cards for this business 20 years ago in both our names.My ex and myself have asked BOA to remove my name from ALL accounts associated with my ex and his business. My ex wrote a letter to BOA XX/XX/XXXX,  which I signed, requesting to remove my name from any and all accounts associated with him and his business. NO ONE has been able to process this request, and they refuse to put anything in writing. I am asking for help on this matter as no one from BOA seems able or competent to solve this problem. BOA has failed to perform due diligence to verify the accuracy of guarantors for a XXXX credit line and instead has used information that is no longer accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX has a charge off on my credit report that was paid in full through " gap '' insurance. 
this account has been reporting delinquent to my credit sine XXXX  2018. 
capital representative confrimed to me over a recoreded line. that they did in fact receive all the documents and payouts to settle this account in 2018. i was not aware of this until recently. ive previously disputed this account with all three credit reporting agenices. XXXX, XXXX  and experian reported this account as been certified to there agency. which i know NOT to be true. experian, XXXX  and XXXX  has not or ever contact me to validate the accuracy of this account. they never contacted me to verfiy this account. i was never asked or given my premission to have said account reported to my credit profile. there was never even proof that i was ever offically notified of this account being placed on my credit, late, charged off or the methed they was to certify that this account and or where they got the certification that his account was in deed my and 100 % accurate.
Product: Debt collection

In XXXX my identity was stolen and once realized, I filed a police report and identity theft report with the ftc and notified the credit bureaus and companies involved of said fraud. The guilty party is currently being prosecuted in XXXX, Texas. Since notifying XXXX communications of the identity theft, the debt attached to this fraudulent account has been sold over and over again to different creditors, causing a hit to my credit each time it and each time, I am having to contact each company and file disputes, when this should have been taken care of and deleted YEARS ago. I want to file this complaint because the selling of this debt has to be illegal since the account was obtained illegally. Please take the necessary steps to penalize all parties involved in the continued selling of this illegal debt. I should not have to file a complaint to get companies to follow the laws set forth by the laws of this land. Please help!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

I received an Amex XXXX XXXX. It arrived in an email from XXXX. When I follow the link in the email, the card number, expiration date, and CVV appear, and it initially showed a balance of {$500.00}. When using these details at XXXX, no field for CVV appears, but the card appears to work. When checking back a few days later, the payment has not gone through. On the amexgiftcard.com page, there are some confusing transactions. One is a {$.00} charge used to verify the card. The other says " Declined - Missing security code - XXXXXXXX XXXX ... ''. So far, there is no error message on XXXX ; it looks the same as if it's still waiting for the payment to go through. 

I also tried using the card at XXXX. In this case, there was a field for CVV, and filling out the details appeared to work. However, I quickly received an email from XXXX saying the payment was declined. The page for the card then showed many more transactions that say " Declined - Missing XXXXecurity code - XXXX XXXX  NC INTERNET FULFILLMENT ... ''. The order total was separated into XXXX amounts, and each amount appears 2 or 3 times. To reiterate, the CVV was supplied for the XXXX order. 

This has happened with previous AmEx XXXX cards like this as well, but I just dealt with it. Hopefully this detailed report will be helpful in correcting this issue.
Product: Debt collection

Original Contract with my wet signature on it? 
Creditors information address location phone number and agent that talk to me personally? 
Proof of payment history payments made and payments not made dates and issue documents? 
Proof of ownership and Authorization to collect?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to investigate and correct the following inaccurate items from my credit report issued by credit reporting agencies. The items must be removed to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As Required by the act i demand you re-verify these items and validate these are my debts and that the inaccurate items will be deleted from my credit report. The attached documents from my credit report prove inaccuracies with payment dates and payment history on closed accounts that are also showing up as a collection account on my profile. Can these accounts please be validated so i can fully understand these tradelines. 

XXXX XXXX XXXX XXXXXXXX {$6100.00} opened XX/XX/XXXX XXXX  XXXX XXXX XXXX {$9800.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$6100.00} opened XX/XX/XXXX XXXX & XXXX XXXX {$470.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10.00} opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$200.00}, Inquiries Not Included Indispute : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXS XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an account from XXXX XXXX XXXX that was already paid in full and sent Equifax a copy of the letter from XXXX stating that the account has been satisfied. I received the dispute results and it still states that the account is active in the amount of {$1800.00}.
Product: Credit reporting or other personal consumer reports

This debt appeared recently on my credit report via experion. It claimed that I had incurred a debt with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I started on Medicare and qualified for Medicaid QMB, so I have probably the best insurance availble and I have zero copays and zero deductibles, so if I'd had any medical issues in XXXX, they would have been covered. When I looked up the creditor contact information on the XXXX website, it gave : Phone number : ( XXXX ) XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX When I called I discovered that the debt was actually incurred in XXXX XXXX XXXX years ago. In Texas, where I reside and where the debt was incurred, the limit is 4 years for legal action and 7 years for a negative debt to appear on your credit report, but this company states that the incident happened in XXXX so they are intentionally misrepresenting the date of the debt so that they can negatively impact my credit. 
I know this is a common practice where creditors still report time-barred debts to credit bureaus hoping that the debtor will pay to stop the debt from negatively impacting their credit, but they have exceeded the allowable limit of 7 years for even this shady practice, and should not be allowed to continue.
Product: Bank account or service

SunTrust c hecking account. They keep charging us overdraft fees and the overdraft fees is what makes our account go in the negative. They should not be able to do this, It is not right especially when the overdraft fee causes the account to go in the negative!!
Product: Credit reporting

I have disputed with Transunion and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Transunion make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Transunion or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file.
Product: Debt collection

Hello, I called on XX/XX/2019 to resolve a debt & find a solution, the call ended at XXXX XXXX. I tried to explain I wanted to pay them back. XXXX, the supposed " supervisor '' kept lecturing me that I made an agreement & that I let this happen. Advised me they couldn't do anything unless I paid a lump sum of the loan, that then she could offer a discount. That's not so much my problem, but I continued to tell her that " where would I even find that money '', she responded that she didn't know me that it clearly wasn't her problem, how this was the only way to get a discount. At that point, I became frustrated because she continued to belittle me & it felt as she was laughing at the situation. I let her know she was coming off rude and that it was very unprofessional, counterproductive too. That I wanted to find a solution and that this conversation had turned into a lecture of thing I already know. I already know it was my responsibility to adhere to the bank agreement. I would have preferred to find some sort of payment plan, which I asked her if I made payments and then got my balance down if I could eventually find some sort of discount for the debt I have. She ignored that questions. Then argued with me about her being rude and unprofessional. Continuously interrupting me to the point I felt very disrespected. When I requested to speak to the manager, she said there was no one else and that I could talk to the owner. But, refused to transfer me & also refused to give me anything other than her first name. Told me she was the one in charged & then hung up on me. Following that I attempted to recall & another employee again told me they heard her talking to me and said that she didn't do or act rude to me. He also laughed, then transferred me to the supposed owners voicemail saying he wouldn't be in until the afternoon. The voicemail had no features of identification, so I'm still not sure if they even did that. Hands down the most rude and violated feeling.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again

st Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 dispute resolution process was unfair and deceptive, as they did not comply with error 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 re
dresso for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX priority XXXX ran a credit check and had an outdated score. The dealership ran my credit XXXX times I can not get my loans or credit because of this deliberate act to attack a consumer. The dealership has refused to do anything about this neither XXXX Equifax XXXX... I do demand immediate removal of all hard inquiry or I will seek federal court for XXXX violation such as. Title XXXX title XXXX title XXXX. This has caused immediate harm to me and damages shall be recoup in XXXX to XXXX business days or I will seek out each CEO and and file a commercial lien against all assets. As well as federal charges
Product: Credit card

I have a Credit Card for Discount Tire which is one of Synchrony Banks Credit Cards. 
I am being charged a late fee starting XX/XX/XXXX  ( 29.00 ), XX/XX/ ( 40.00 ), XX/XX/XXXX  ( 41.00 ), XX/XX/ ( 41.00 ) for paying my monthly bill early. 
Iget paid on the first of every month and I pay my bills then. I also get paid on forth Wednesday of the month.

I reached out to Synchony Bank as inquired why the late fee 's. They Told me because I PAY MY BILL EARLY. There billing cycle is from the 5th to 28 th of each month. If I pay before the 5th of each month I have a late fee charged. 
This is absolutely ridiculous. 
This practice is wrong in so many ways. They are getting there money every month on time or a day or two early and I get charged for this. 
I included a statement showing late fee.
Product: Checking or savings account

I opened account with bank in got scammed out of money from someone when I was XXXX I fell for the quick money scheme because I needed money
Product: Credit reporting or other personal consumer reports

Midland Credit XXXX has submitted all of their paper work to XXXX and I have also mailed and emailed and faxed all of my consumer reports about all XXXX accounts being paid. they have not taken care of these and updated these to reflect my credit
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX -XX/XX/2019 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a Wells Fargo credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.
Product: Credit reporting or other personal consumer reports

My information was compromised and fraudulent accounts established. I have no knowledge of the accounts. I have disputed the accounts on several occasions with the three Major Credit Bureaus. I was never provided details of investigation process or procedures, accounts came back verified. Below are the accounts : 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 Original creditor These inaccurate information remain on my credit and is irreparable.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices which violate the customers financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected.

Further theyre dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E his actions have caused significant inconvenience and financial loss I see appropriate redress for these violations.
Product: Debt collection

I never agreed to any payment with the company and no contract can be provided with my signature where i agreed to pay them anything.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX called and has auto draft discontinued on loan. Got confirmation email. XX/XX/XXXX, they took at direct draft out of my account. I called them and confronted them about it. They put a stop payment on the payment on XX/XX/XXXX. Will not send me a copy of a electronic signature that they claim to have
Product: Student loan

My student loans were with XXXX XXXX and then XXXX  when they were federal. I had to fight Navient every year as their income based repayment program kept demanding that my payment be increased each year. At one point they were trying to take half or more of my take home pay. I couldnt pay my bills if they did that. Out of desperation I refinanced with XXXX to control my payments as XXXX  was not trustworthy. Because of that I have lost all of my time working in public service ( 6 years ) and am no longer eligible for public service student loan forgiveness nor was I eligible when the government forgave student loans. I feel that my loans were mishandled imposing a financial strain on me and will continue to do so for almost 20 more years.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX  - XXXX, "