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

In accordance with the the Fair Credit Reporting Act 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. also states a consumer reporting agency can not furnish a account withought my written instructions.
Product: Money transfer, virtual currency, or money service

Bank of America FIA CARD SERVICES has been disputed again XX/XX/XXXX with XXXX  XXXX  XXXX  and they refuse to remove it. 
I do not what bank of America FIA card services is. I have never had one I do not have knowledge if this account as documented in my XX/XX/XXXX XXXX  credit report and disputed again. 
Then the name was changed recently to bank of America FIA cnsa whatever on my XX/XX/XXXX credit reports. I want the documents relating to this stating account closed by creditor of boa dis card services corp and removed. 
My identity theft filed registered with ftc # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Moneylion Inc Account XXXX is not mine, and should be deleted immediately, and for this reason alone. However, it is clear that this is being falsely reported, and that the information is incorrect thus the account should be deleted for the following reasons : 1.There is pending litigation with this company over predatory lending violations, which demonstrates that this company is unscrupulous at its core. 
2. Across multiple CRAs the account open date is listed differently as XX/XX/XXXX and XX/XX/XXXX XXXX. The stated balance is {$310.00}, but upon looking at the payment history the balance jumps from {$300.00} to {$310.00} on XX/XX/XXXX for no logical reason. 
4. Payment history is reported as none for XXXX, OK/nothing/OK for 11 months then nothing and OK for two months followed by nothing on XXXX, and charge off on XXXX for all months in the same time period with exception of one.

5. High credit is reported differently as {$430.00} and {$500.00} across all CRAs.

6. Past due amount is listed as {$310.00}, but the payment history reflects {$300.00} around the time it was charged off, and the amount that was charged off is listed as {$430.00}. 
7. The date last active is reported as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX across all CRAs. 
8. The date of last payment is reported as XX/XX/XXXX and XX/XX/XXXX across all CRAs.

Not one piece of information is being reported accurately, and this is a violation of my rights under the FCRA. I kindly ask that this account be immediately deleted from my credit report across all CRAs, and any collection efforts now and in the future cease. 

Thank you,
Product: Checking or savings account

On XX/XX/22, I submitted information to open an account online. On same day, I received an automated email message saying they couldnt verify me referencing the Patriot Act. I was provided a phone number which I attempted on 3 separate days. The recording told me to call back in 24 hrs. I could never get through to a representative. 
On XX/XX/22, I submitted an online inquiry form. 
On XX/XX/22, I received another email from XXXX asking me to call another customer service number which I did. The representative ( XXXX ) was very kind and helpful. She sent me a pdf application to complete and return via secure email. She walked me through the completion process ensuring all necessary boxes were checked. Same day, I received a request to provide a copy of my drivers license. I submitted it to XXXX via secure email. She confirmed forwarding to the appropriate department. 
On XX/XX/22, I called back to the working customer service and referenced my prior conversation with XXXX and requested a status. I was told no application for me was in queue. 
On XX/XX/22, I requested escalation to a supervisor and informed them I was considering filing a CFPB complaint. XXXX sent me another pdf application. 
On XX/XX/22, I pulled up the second application form for the first time. This time it was inadvertently pre-filled with another applicants information ( including full social, date of birth, mothers maiden name etc ). I immediately notified XXXX and requested supervisor escalation. XXXX called me and said she and her supervisor are researching my situation. I requested something in writing from her supervisor confirming my information had not been compromised to other applicants. I also requested expedited resolution to my application problems. As of XX/XX/22 at noon ( EST ), I have received neither.
Product: Debt collection

The caller is XXXX XXXX from XXXX XXXX. They call multiple times a day leaving voicemails stating they are coming to my home to serve me if I am not there they will come to my job. I told them to send a letter to prove I owe the debt and I will be willing to settle if indeed I owe this debt. While I do know at one time I had a loan with Cash Central,  they responded saying they have nothing on file for me. I asked if they sold a debt of mine to anyone and they never responded. XXXX XXXX from XXXX XXXX  refused to give me an address or a valid company name. There is no XXXX XXXX litigation company when I search online. The number they call from is XXXX. They go through the whole long voicemail about how they are coming for me.. at work.. at home.. with a uniformed officer. I have all of the call records and voicemails to prove it. They tell me to call XXXX. They say they sent me something 45 days ago. I said please email me or mail it to me because I did not receive anything. She said she cant because they already sent it! I am so done with these scamming collectors who violate all the laws! I will be reporting every single one and saving all of my evidence!
Product: Student loan

I graduated from XXXX XXXX never received a degree. I owe XXXX never received a job. I can not afford my loans and they withheld my degree. I can not move forward. The school is closed and I am XXXX XXXX XXXX and can not do anything. They made promises and they never kept them.
Product: Debt collection

I received a notice from DSG Collect, dated XXXX XXXX, XXXX, notifying me that they were attempting to collect a debt. In response to their letter and repeated auto-dialer calls to my cellular telephone, I sent a letter, dated XXXX XXXX, XXXX, instructing DSG to stop all communication. The letter was mailed to DSG Collect, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX, which was the address clearly listed on their collection letter. Tonight, XXXX XXXX, XXXX, I received a missed call and voicemail on my cellular telephone from " XXXX, '' advising me that he was calling on behalf of DSG Collect and that this was an attempt to collect a debt. This company has already violated the XXXX by using an auto-dialer to call my cellular telephone. Now, they have violated the FDCPA by contacting me by telephone after I sent a written cease and desist request.
Product: Debt collection

This school is trying to say I owe XXXX dollars I knew nothing of nor had any communication about before placing on my credit.
Product: Debt collection

I fell behind in my Home Owner Association Fees due to XXXX XXXX XXXX due to XXXX deaths in my family earlier this year and loss of employment. 

Despite my best efforts I remain XXXX so I did not pay amounts in arrears. I tried to make payment arrangements but was sent to collections with Allied Trustee Services. XXXX had locked me out of the payment portal so I could not make timely monthly payments to them. 

I was sent a certified letter informing of the debt XX/XX/2023. I called the agency upon receipt of the letter and I made a verbal agreement with a representative named " XXXX / XXXX '' to pay the arrears. I informed that I would begin working XX/XX/2023 and that I was paid once per month. Since the amount owing was high I agreed to make XXXX payments to pay the total amounts owing. I sent the first check in the amount of {$850.00} on XX/XX/2023. I sent a second check representing the balance due - and XXXX months of back HOA fees for XXXX, XXXX and XX/XX/2023 since I was locked out of XXXX XXXX 's payment portal and could not submit payment - I paid it with the arrears amounts and penalties to Allied Trustee Services on behalf of XXXX XXXX. 

Despite the representative that I was corresponding with ( XXXX / XXXX 's ) verbal assurance that no legal action would be taken without informing me first, and without permitting me to submit both agreed to payments the company filed a lien on my property the same day that I made the final payment in full. This was contrary to the agreement that had been made verbally with the representative and caused me a shock when I received the certified letter today, XX/XX/2023 notifying me of same. 

The company cashed my check knowing that they were simultaneously filing a lien on my real property despite my paying their fees and all HOA arrears in full. 

In fact, the fees that Allied Trustee Services has used as the basis of its XXXX are fees that they created by filing the lien and assessing late fees which should not have been brought for XXXX / XXXX. 

I demand that the lien be removed, that the debt be acknowledged as settled and no additional fees be assessed. Plus, they absorb the costs of the additional fees they created in filing the lien. Additionally, my XXXX payment will soon be late because I am still locked out of the payment portal. This is unfair business practices at its best and a breach of the verbal agreement that I made with their company. I kept my side of the deal but they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a house in XXXX of XXXX -- paid the mortgage off -- and it still shows as an open account with a balance of $ XXXX I have tried multiple times to get this fixed and changed on my credit report to show the debt as paid and the account closed to no avail. 

Most recently, I contacted both TransUnion and XXXX as well as XXXX XXXX XXXX Mortgage to attempt to get this resolved. 

I have gotten letters stating that a review has been completed and they did not change anything on my report. Again. 

I have also attached a letter from XXXX XXXX stating that the loan is paid in full and that they were working with the reporting agency to get the reporting issue resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my repeated efforts to rectify this issue, the inaccuracies persist, causing significant harm to my creditworthiness and financial well-being. 

There are several fraudulent items present on my credit report that are negatively impacting my credit profile. I have submitted dispute requests on numerous occasions, providing supporting documentation to confirm the fraudulent nature of these items. 

Despite my persistent attempts to address this matter by following the established dispute procedures outlined by your organization, the fraudulent items persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 

The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct a thorough and expedited investigation into the fraudulent items on my credit file. Attached are copies of the supporting documentation that confirm the unauthorized nature of these items. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX {$22000.00}, XXXX  XXXX/XXXX  {$340.00}, XXXX XXXX XXXX XXXX XXXX {$19000.00}, XXXX XXXX , XXXX XXXX XXXX {$410.00}, XXXX/XXXX  XXXX XXXX {$6000.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. None of these accounts are mine, I didn't open them and never used them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am not aware of them, and the company made them without my permission.
Product: Credit card or prepaid card

I rented a car from XXXX  rental car on XX/XX/2022 and my credit card was charged {$860.00}. When I turned the car in on XX/XX/2022 my credit card was charged again for {$870.00}. The original invoice shows that the charge of {$860.00} was supposed to cover the rental period so the charge on XX/XX/2022 was a double charge for the same transaction. Chase Freedom Credit Card refused to resolve this matter. I rented with XXXX on XX/XX/2022 and my original invoice of {$940.00} was charged on XX/XX/2022. When I returned the car on XX/XX/2022 I did not receive a emailed invoice but another charge of {$1100.00} so again I was charged more than double for a rental car. Then on XX/XX/2022 I rented a car from XXXX and was charged {$950.00} on XX/XX/2022. When I turned that car in I finally realized that they had been charging me double because the charge of {$950.00} still remained on my credit card and then I received an additional charge of {$1100.00} on XX/XX/2022. In total I was only supposed to be charged {$860.00} + {$940.00} + $ XXXX {$1100.00} =. XXXX  Rental Car charged me {$7800.00}. Chase Freedom Credit Card claims department did not resolve this issue and in essence allowed XXXX to charge me a extra {$3900.00} fraudelently. These " ghosts '' charges would show up on my credit card account and increase my balance and then disappear without my balance going back down. I was adding cash on the credit card every time I rented a car to match the total cost of the car. You can also see that on the last transaction of XX/XX/2022 for {$1100.00} was for the same car that they charged me {$950.00} for on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was checking my credit report and noticed that a hard inquiry was made by XXXX XXXX on XX/XX/XXXX. I did not give them permission to run a inquiry on my credit report any time in XXXX. I took out a loan with them on XX/XX/XXXX that's the only time they had permission to run my credit. I have not giving them permission to run my credit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax database was breached this week ( week of XXXX XXXX, 2017 with the media reporting of the breach onXX/XX/XXXX ). I am concerned about my credit as this breach indicates a higher probability of identity theft. I used the Equifax website https : //www.equifaxsecurity2017.com/potential-impact/ and inputted all the necessary information to be informed that " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have declined to enroll in the " TrustedID Premier '' program being offered through Exquifax as I do not trust their program after this breach and, from my understanding, I will be relinquishing some legal rights by enrolling. I have not noticed any unusual activity on my credit reports, have enabled fraud alert through the 3 credit bureaus, and am now contacting CFPB to investigate this matter as I and 143 million other Americans are now in financial risk due to no fault of our own.
Product: Debt collection

The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # - XXXX The results are : WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *BALANCE DATE *STATUS DATE. If you have additional questions about this item please contact : CCS COLLEC, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Account Number Date Reported Date Assigned Creditor Class Client Name Original Amount XXXX XX/XX/XXXX XX/XX/XXXX Insurance CREDIT COLLECTIONS {$370.00} Status Date Status Date of XXXX Delinquency Balance Date Balance Amount Last Payment Date Whose Account XX/XX/XXXX Paid XX/XX/XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX Individual Account ADDITIONAL INFORMATION : Consumer Disputes This Account Information Collection Account
Product: Credit reporting or other personal consumer reports

I did not authorize this on XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have failed, lied to me multiple times and did not Properly investigate my multiple disputes for validation of two collection accounts on my credit report filed by XXXX XXXX XXXX, a collection agency of medical debts. 

The proof is attached, and my their own admissions, they did not have any means of Validation of the two accounts they were reporting up to XX/XX/2022, by their own admission! And they still do not have it only a fabricated HIPPA violation that is illegal! 

You should have removed these years when I first complained and every time in between! 

You have failed- do your job!
Product: Checking or savings account

I recently applied for an installment loan and I used my Citibank savings account to receive my funds. I received an initial deposit in the amount of {$700.00} to ensure my account was active as well as to receive an additional amount that I was approved for which was {$5000.00}. Unfortunately, I could not access my account and I reached out to Citibank to get an understanding of why this was happening. I did not receive any details about my account being closed. Once I spoke with someone from Citibank I was told that the fraud department is closing my account because the check that the lender deposited into my account was not authentic. I spoke with the lending company and I was told that the information my bank is giving me isnt true. I also used that account to receive my tax refund, and the bank is telling me that I have to wait 30-60 days for my account to be closed. And an additional XXXX days to receive my funds. I do not understand this at all because I was also told that regardless If the check was fraudulent or not my account will still be closed. I also tried to fix the issue as well as transfer my available funds to a different account but the bank is denying my request. I do not have any cash and Iam facing a financial crisis at this moment. If the lender did in fact deposited a fake check that has nothing to do with me! I did not request to have my account closed. I can not log into my mobile banking app to change anything or get details about my account. I do not think this is right or fair to me as a customer. I have also had this issue with the same bank in the past and the funds that were in my account were never sent to me. I need to get to the bottom of this issue asap because I believe the bank is stealing my money. Please respond to me asap to discuss this situation and help me resolve the issue with my bank. Thanks
Product: Vehicle loan or lease

I refinanced my through the XXXX XXXX XXXX XXXX in XXXX of 2017 and it is still showing on my credit report that my loan is still open with Ally Financial.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a SOFI personal loan. Per credit report filing, a creditor should reach out to me as the consumer to verify my identity before decisioning an application. Lender denied my application on the basis of unable to verify identity. Sofi advised they made contact with myself as the consumer a total of 3 times. Which is false. They contacted me from XXXX on XX/XX/2024 and did not identify themselves as SOFI and mentioned in the voicemail I guess you wont be getting your loan. I was then contacted by SOFI on XX/XX/2024 at XXXX XXXX and left a voicemail identifying themselves as SOFI . I returned a call to SOFI a minute later and was advised by 2 associates and an account manager that I would have to reapply and my application is denied. The lender should make every effort to contact the consumer and give me an opportunity to verify my identity which they did not do. And per the associates voicemail comment now that I know its SOFI appeared to have already decided to decline the application. I have a copy of the voicemail. I have made every attempt to contact SOFI and they have denied allowing me to verify my identity. Instead, they requested me reapply which could impact my previously quoted interest rate.