23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/21 I was notified by Bank of America of identity theft, that someone used my name to open a bank account which they caught and closed. Currently I only have a Credit Card with BOA and they locked the account for severity. Since then I have spent countless hours everyday, M-F through today XX/XX/21, to regain access to my credit card account. I have a balance due and now a late payment and they will not give me access to view the changes and pay the bill. I have spoken to the fraud department, customer service and have going into two branches and not one person is all to resolve this issue. Meanwhile BOA is negatively impacting my credit due to their negligence.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX they froze my account ending XXXX ; XXXX and places holdings on my accounts and I never received my funding
Product: Checking or savings account

Rented XXXX XXXX from XXXX XXXX as of XX/XX/XXXX and agreed to pay XXXX. 

XXXX was agreed upon and paid for in person with the account debit card and a completed new account file with drivers license and signatures. 
The truck rate was XXXX per day with XXXX free miles, thus sustaining possible projected costs, utilizing an over authorized amount in case of having the truck more than one day with insurance. 

Kept the truck three days, never left the city, took pics of the miles when we took the key and when bringing it back ; also returned it clean and quarter of a tank of gas as it was when rented. 

A week later, he fraudulently charged an additional XXXX! We as the account holders did not authorize the second charge. Unlike the first charge we agreed to in person with the debit card and pin, there was paperwork supporting said agreement with signatures. The second one was not. He stated he is charging XXXX per five hundred extra miles and would not provide a ledger nor proof of any logs or pictures, so we contacted Wells Fargo claim center and disputed the unauthorized charge. 

Wells Fargo provided a " provisional '' credit pending an investigation of the fraudulent charge. 

Two months later, they reversed it saying they found the charge to be authorized. I have been trying to appeal it and they keep disconnecting the call and giving me the run around. I demanded documentation of how they came to this conclusion and no one will provide it. Going inside a branch does not work either as they tell me that they can not obtain " certain levels of access '' to provide proof of why they reversed the credit for a merchant trying to illegally charge the account. 

Wells Fargo unfortunately after banking with them since XXXX, I need some kind of recourse to appeal the fraud this merchant has committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.
Product: Vehicle loan or lease

This debt is over 7 years old and is having a negative impact on my credit file. I was told before by the debtor about a year ago that they will request to remove this debt. I have requested a removal many times and it is still on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm showing three accounts on XXXX that affirm can not validate or locate. please see uploaded statement
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXXDate of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of Inquiry XXXX, XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXXXX/XX/XXXX
Product: Debt collection

I became deliquent on my mortgage as of XXXX XXXX, 2015 ( the last payment. The tenants had moved out and we missed the XXXX and XXXX payments. As of XXXX/XXXX/2015, Ocwen ; the mortgage holder ; proceed to send what they call a knocker to the door. When they discovered no on there, they proceeded to begin vacancy proceedings. They did not contact the number that I updated with them in XXXX of 2015. Meanwhile on XXXX/XXXX/2015, Ocwen assigned XXXX to come in and " winterize '' the property. I had already done this on XXXX/XXXX/2015. This house was listed for sale under a Realtor. XXXX then stacked all of our belonging into the middle of each room. The house had been staged for sale on XXXX/XXXX/2015 and XXXX/XXXX/2015. XXXX then proceed to padlock the entrances to the home. The house is now under contract for sale. When, we sent people to the home to ready it for the pending sale, the pipes had burst, there were muddy footprints all over the carpeted floor, and cigar butts on the linoleum in the a joining kitchen. XXXX claimed no responsibility and referred us to Ocwen, our mortgage holder. Ocwen claimed that they would not send someone into our home before 90 days delinquency. When this all began, I started the modification of my mortgage with this lender. I repeatedly sent them the documentation they requested and they repeatedly needed more documentation and phone call meetings. It has been 4 months now and they are still telling me I did not submit the right paper work. I believe they are dual tracking me. Trying to delay in order to foreclose. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX  breach has cost me tons of money taking more than 30 days violation of my rights
Product: Mortgage

Our escrow payment on my Flagstar Bank mortgage account # XXXX has increased significantly, an additional {$240.00} per month. We believe the increase is way too much as our property taxes nor our property insurance has increased. Flagstar Bank, the new loan/service provider and is unable to accurately provide me the details of escrow increase due to the transfer of a different loan/service provider ( XXXX XXXX XXXX # XXXX ) within the same year. Is it possible that this information was misplaced with the previous loan/service provider? In addition, We're being asked to pay a cushion " Required Minimum Balance '' {$1100.00} on top of the " Projected Balance '' of {$1800.00} totaling the proposed shortage {$2900.00}, is this legal? Where is the escrow and the " Required Minimum Balance '' collected from the previous provider?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an inaccurate account on my credit. Equifax is reporting a hard inquiry from XXXX XXXX I have never done any business with this company, I have never signed any contract or received any services or products from this company. Equifax is inaccurately reporting this account on my credit report and it is causing me undue financial hardship.
Product: Credit reporting

I have been a victim of multiple cases of identity theft within the last two years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Santander around XXXX XXXX of XXXX  time frame and explained I was having a Hardship with a serious health condition. The agent said that my credit reporting would be changed to reflect me being current for XXXX and XXXX and they would add those payments to the end of my contract. I recently applied for a mortgage and found the that did not take place,
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Experian, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka Genesis Credit ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to Columbia Debt Recovery, LLC.

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

Genesis Credit has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. Genesis removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that Genesis Credit is under investigation for fraud.
Product: Debt collection

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. This debt was paid by my Health Insurance Company after it was sold to collector. The Original Creditor was paid by Health Insurance company.
Product: Debt collection

Thank you for providing that additional information. Here 's a revised phrasing for your complaint, taking into account that you asked XXXX to disconnect the service : " About three months after signing up for XXXX 's Internet Essentials service, I received a phone call informing me that I owed them over {$600.00}, which was significantly higher than the expected XXXX XXXX  monthly charge. Upon receiving this call, I requested that they disconnect the service and retrieve their equipment, as the charges did not align with the agreed-upon service of Internet Essentials at {$10.00} a month and a 10-channel program for about {$11.00} a month. I explicitly requested no further contact, as the situation did not match our initial agreement. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account name XXXX Account # XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX Account number # XXXX, Account name XXXX  XXXX Account number # XXXX, Account name XXXX XXXX Account number # XXXX, Account name XXXX Account number # XXXX, Account name XXXX XXXX Account number # XXXX, Account name XXXX Account number # XXXX, Account name XXXX Account number XXXX, Account name XXXXXXXX XXXX  Account number XXXX, Account name XXXX Account number 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX LT Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX A Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.
Product: Debt collection

Harris & Harris debt collection ( phone XXXX ) has called me repeatedly for several months over a debt apparently owed by someone named XXXX XXXX or XXXX. I have never heard of this person, I have no idea what this could be related to, and this number has been used solely by me for nearly 26 years. I have spoken to Harris & Harris THREE TIMES. Each time the person on the line tells me about XXXX XXXX, I say I don't know who that is, they say alright, your name has been removed from the list - and - shortly after that the harrassing calls begin again. The last time I spoke to them the woman argued with me and claimed it was the first time they'd heard from me. She said she'd removed my name from the list. I asked that a supervisor be informed of what happened so the company would know that something was not working and innocent people were being harrassed, and she just kept repeating that my name had been removed, and would not give me a response to my request that a supervisor be informed, saying that I could report them to whoever I liked. Really this is ridiculous. I hope you can help hold these people accountable. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on an account with the XXXX - partial account numbers XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

XXXX, a financial institution and furnisher of information, along with EQUIFAX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX, EQUIFAX, AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX, EQUIFAX, AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX, EQUIFAX, AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX, EQUIFAX, AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit card or prepaid card

XX/XX/22 - received XXXX XXXX credit card statement in the mail for purchases made on XX/XX/22 totaling {$430.00}. I never applied for this store credit card. 

XX/XX/22 - called XXXX XXXX and talked to their fraud/loss department. They are supposed to be closing this account and say I will not need to pay this fraudulent charge. They confirmed this account was opened by someone in XXXX, West Virginia and the address is XXXX East XXXX XXXX Farimont WV. They used my address for billing purposes and social security number to open this account, but the item they purchased was sent to the West Virginia address. 

XX/XX/22 - went to local police station to file fraud report, they opened up case # XXXX and they referred me to file a compliant with the company and the Federal Trade commission ; FTC directed me to CFPB. Police station also told me to call XXXX XXXX to talk to fraud department and try to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following incorrect addresses and employer and unauthorized inquiries on my credit report incorrect addresess XXXX XXXXXXXX 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 XXXXXXXX incorrect employer XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Vehicle loan or lease

In XX/XX/2023, I lost my job and was unable to make my payment for XXXX and XXXX. Last week I borrowed money from family members to make the payment. LightStream requested that I make the payment for XXXX, XXXX, XXXX and XXXX future payment at that time. The total payment that I was told I had to make was {$3100.00} for the XXXX months. I made that payment to get caught up and XXXX hours later I received an email that they were going to deduct the XXXX payment a second time. 

I called LightStream customer service on Friday and again today to try and get help because I should not have to make the same payment twice for the same month. On both occasions, the customer service representative told me that it is not their problem and that it is my problem that I am paying the payment twice Because I gave them my checking account number and agreed to be automatically debited. 

I tried to explain to them that I understand that it would be automatically debited every month, but since they already forced me to pay XXXX in XXXX, I shouldnt have been debited until XXXX. 

Again, they told me that this is my problem because they have the account number and they cant stop the payment from happening because its automated and they have no control. 

I am a single father of a developmentally XXXX child, and my ex-wife made that payment on my behalf because it was affecting her credit also. I can not afford to be double dipped by the bank because they claim that they cant stop automated payments because they dont have any controls in place to make that happen. I still have to pay for rent, food for my child, and daycare and schooling and medical. Not working, I paid XXXX, and my medical is exorbitant.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 at XXXX I received an email from XXXX XXXX alerting me to a new hard pull on my account. The hard inquiry came from JPMCB Card Services ( Bank ). I did not authorize JP Morgan to obtain my credit information in any form, nor have I applied for any type of new credit or credit cards.
Product: Credit reporting or other personal consumer reports

Despite providing proof of my identity five times this year, XXXX, equifax and XXXX  continues to mishandle my disputes.
Product: Credit reporting or other personal consumer reports

The company devslopes took out a loan from XXXX XXXX without my consent, and is now saying I owe XXXX. I never took out any loan or received any schooling from this company, that is identity theft.