23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was hit by identity theft in XX/XX/XXXX my online banking was breached where my username and password were changed I filed an internet fraud claim but at the time I could not file a check claim for the two checks that were in there unbeknownst to me one of the checks was given to a detective XXXX XXXX of the XXXX County Sheriff 's Department in XXXX Wisconsin ( XXXX ) XXXX in XX/XX/XXXX I was instructed to me with Detective XXXX XXXX I 'm the XXXX County XXXX 's Department XXXX Indiana and a detective XXXX XXXX ( XXXX ) XXXX of the XXXX Indiana Police where I was being looked at as a suspect for producing a counterfeit check to Bank of America I have tried on numerous occasions to get Bank of America to talk with the officers and Release Me From the XXXX XXXX XXXX XXXX they have reported me too according to XXXX XXXX  Bank of America is reporting me as someone who has defrauded a bank and committed check fraud this information is wrong on several occasions I have written letters both detective XXXX XXXX and detective XXXX XXXX have said they have contacted Bank of America 's Risk Management Department and said that they 're reporting of me committing check fraud is wrong I have talked with XXXX and tell check regarding the amount Bank of America Claims I owe however both those entities both XXXX and tell check claim that even if I pay the amount of Bank of America says that they entitled to it will not remove me from the XXXX XXXX XXXX to date there has been no investigation by Bank of America regarding anyone else or the people that used my account it is at my request that I ask no I demand that Bank of America call detective XXXX XXXX and detective XXXX XXXX immediately to get me removed from the XXXX XXXX XXXX and get that off my Consumer Report I have sent numerous documentation the officers have sent their reports and have told me numerous times that my name has been cleared of any wrongdoing the fact of the matter is when a customer needed help and ask her financial institution to assist her with the identity theft she was going through Bank of America through their consumer under the bus and did nothing and continued to not do anything this has resulted in undue stress and XXXX XXXX on me my family my business and my employees due to the fact that Bank of America continues to report me to XXXX XXXX as someone who is defrosted a bank I am unable to open any account at any Bank as well as anything that had anything to do with a bank my mortgage my credit cards not only on the personal side but also on the business side my money market account the bank that had my IRA all those are closed because they are all done from a bank I feel that Bank of America should at least try to assist their former customer in putting this behind her and helping her get on with her life I think they 're FDIC funding should be revoked immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting. For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon Family and Educational Privacy act of 1974 my legal rights were violated. Inquires as well was requested on XX/XX/XXXX to be removed per 15usc1681 permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act 1974. A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. It is illegal to report transaction history. 15 U.S. Code 1666b - Timing of payments the account was paid in full and should not be listed as a charge off.A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed two disputes with credit bureaus referenceXXXX XXXX XXXX account that is negatively affecting my credit. I have never had any medical procedures, nor the company has any valid information attaching me to this fraudulent account. Upon initial dispute confirmed the address was not mines ( ID verifying my identity and address uploaded ), they ( XXXX XXXX ) do not have my social security number, and any other identifying information attaching me to this account. Contacted the reporting company and they have no interest in assisting me in this matter.
Product: Mortgage

Have been working with a housing counselor for a modification since XXXX of 2015 to get a modification through OCWEN. Although all the paperwork was submitted, OCWEN always came back with new things that needed to be submitted. I have given them everything they have been asking for. The final submission was in XXXX of 2015, I was told that I didnt qualify for HAMP but yes for an internal program, just send in the non borrower consent form & rental receipts which I did. I did n't hear anything. I went to make a payment and was told that my loan was sold to another company and OCWEN no longer was in control of the situation? I never got any documentation on this, I am still getting statements from OCWEN, I have no idea who has my loan now and my payment I sent has not been cashed. I was told just send in those last few docs and I would be approved I did and now this? I do n't know what to do at this point. This has been going on now for over 7 months, I just want my loan modified.
Product: Credit reporting

On XX/XX/XXXX I wrote a response to a letter from XXXX XXXX, which asked if I wanted to dispute information regarding a credit card that was originally issued by XXXX XXXX via XXXX. XXXX XXXX did not respond to the original letter. I therefore was able to get in contact with the dispute department and spoke to a representative of XXXX XXXX named XXXX, her information is contained in the attached documents. Although I stated in my letter that I did not have information from XXXX regarding this particular payment, she kept insisting that I contact them for a copy of a cancelled check, even though this had already been done and they were unable to provide this information. At this point she said that without this information she could not determine whether or not the account had been paid. I then asked her why are you reporting this as an accurate reflection of the account when you can not determine if the account was paid nor can you determine whether the account was unpaid, but yet there is a payment reported as received on XX/XX/XXXX? I also asked why the account was sold with an amount being owed as {$780.00} but XXXX XXXX is reporting a charged off amount of {$540.00}? 

I closed the account because of the way payments were being credited to my account and credit protection insurance had been added even though I had not requested it. I was able to find information sent to XXXX XXXX XXXX requesting that the account be closed and that the payment be accepted as final. This information included a copy of the check and the credit card cut in half. I also included copies of credit reports showing the payment being credited on XX/XX/XXXX, because I was unable to provide a cancelled check or a bank copy of the check that was written to close the account. The XXXX checking account had not been active since XX/XX/XXXX. Additionally, XXXX XXXX has called several times, even after being told in writing not to, and each time I request copies of the statements from XX/XX/XXXX through XX/XX/XXXX, but they have never been provided.
Product: Checking or savings account

I opened an account online with Navy Federal Credit Union on XX/XX/XXXX. I received the routing number and account number and I transferred {$50.00} from another online account to them, and changed my direct deposits to my new account. The following day I received an email requiring my I.D . and proof of address be uploaded via a link, which I did. I received a confirmation email stating my account would be verified with 5 days. I have tried repeatedly and to every management level with multiple calls to their " Security '' department to get the status of when my account will be unlocked. I'm told 3 to 5 days, yet today, XX/XX/XXXX, is 8 banking days, and there is ANOTHER message today telling me 3 to 5 days. They refused to close the " account '' which I can not access online, or add to any financial service using the routing number or the inactive debit card number, stating this security lock! There is NO corporate number for NFCU aside from the main number, and there are NO numbers to call the local branches. The only option was to contact the transferring entity and dispute that {$50.00} XXXX which completed on XX/XX/XXXX. I want my money returned and will not do business with NFCU which is the absolute worst financial institution I have ever had the misfortune of opening an account with!
Product: Debt collection

The company sent me an email from a dummy email address claiming I would be sued and jailed if I do not pay thousands of dollars. I received the email with identifying information about myself which led me to call the debt collector to see what the company was emailing me for. Upon speaking with a rep ; that demanded I verify my info ; I spoke about the email and the thousands of dollars and jail time the email spoke about. The rep said the email was not from them but using my info ; she was able to search and find 2 old accounts for me. Weeks later, I have an alert on my credit with the information of a supposed debt I owe and it was updated as being 1 year old and I have not had any loans for for over 10 years. The company used the email to get me to contact them because of the outrageous claims in the email ; demanded I verify my info ; blamed scammers or another company when I filed my initial complaint with CFPB then added the old outdated debt to my credit and re-aged it to being 1 year old. This is a FCRA violation. I did not call about a 10 year old account ; the agent mysteriously found in the system. I did not discuss the account. I discussed the email I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA 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 XXXXXXXX : {$870.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I went to the XXXX XXXX, AZ TitleMax location XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Prior to taking out the loan the representative asked about my line of work. I told her what I did and that my compensation included commission on sales made. The representative told me she needed my services which enticed me to take the loan knowing that the commission I could expect by having her become a client ( she also mentioned her XXXX XXXX could use my help and she would be referring them to me as well ). So I took the much needed loan because I expected to bring her on as a client and the commission would cover the loan. However ; after multiple attempts to reach her, she never contacted me back once the initial loan was made. She did however contact me to inform me I could borrow additional funds and explained that she hadn't been in touch because her boyfriend had been ill and she was taking care of him, but now that he was better she'd set an appointment so I could bring her on as a client ( and earn the commission ). I went to their office, they reissued a new loan with the additional money and the representative ignored my attempts to contact them again. For more than a year I paid this company over {$360.00} per month. I paid more than what was owed but couldn't maintain the payments, having fallen ill myself. I expected to have the loan paid off with the commission I would have earned had the representative not mislead me into believing she truly intended to become a client of mine. Had she not mislead me into the belief I'd have her as a client, I NEVER WOULD HAVE TAKEN THE LOAN. In addition, one of the requirements, which is MANDATORY is that you give a 5 star XXXX review just before they complete the loan process. 

Fast forward ... in XX/XX/XXXX my car was picked up and repossessed by TitleMax because they wanted an additional {$4600.00}. More that {$1000.00} over the original loan which. This amount was in addition to the more than {$4600.00} I already paid them. 

They have removed my vehicle from their system but conveniently kept my debit card information. 

WHY WOULD THEY HAVE MY DEBIT CARD ON FILE AND SHOW NO CURRENT OR PRIOR LOAN? BECAUSE THEY ARE UNETHICAL, EMPLOY SCAM ARTISTS, AND FRAUDULENTLY ENTICE CONSUMERS TO TAKE THEIR LOANS THROUGH DECEPTION. Which is reinforced by their removing my loan a This company and their representative should be banned from lending anything to anyone.
Product: Credit reporting or other personal consumer reports

Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX XXXX XXXX  Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the deletion of my credit account information will be completed within the XXXX business days specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.
Product: Credit card or prepaid card

On XX/XX/2018 I went to buy a motorcycle and XXXX credit card through Citi Financial refused to I inform me why application was not processed. AS a consumer I deserve to know when my credit is pulled why credit was not processed. THEY kept saying department that processes had in a queue but do not take calls. This is unacceptable and appears to be a business practice.
Product: Checking or savings account

on XX/XX/2019 i made a deposit at Bank of america with a check for XXXX the deposit receipt, the teller at the branch my account online and the person from customer service all said my deposit would be available by XX/XX/2019. the next day the date changed until the XX/XX/XXXX. reasoning is my account is under 30 days old. the check has cleared and has been deducted from the check writers account. why am i being punished for the sake of " policy ''? they have the money!
Product: Credit reporting or other personal consumer reports

I discovered multiple unauthorized hard inquiries on my credit report from XX/XX/year>, which are negatively impacting my credit score. These inquiries were made by XXXX XXXX ( two inquiries ), XXXX XXXX XXXX ( two inquiries ), and other companies, excluding XXXX XXXX, which I did authorize. I did not apply for credit or provide consent for these additional inquiries. The two from XXXX XXXX XXXX has the same contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disingenuous is how I describe the respone that Experian made to my cfpb complaint filed on XXXX XXXX XXXX  - Experian blatantly states According to our records, the disputed information does not appear on your Experian credit report. 
In my complaint # XXXX I listed the following accounts stating I wanted these accounts removed due to : 15 U.S.C. 1681 Section 604 states I have a right to privacy 15 U.S.C. 1681 Section 604 states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am sending attachment showing that as of XX/XX/XXXX these accounts remain on my credit report in spite of Experians DISINGENOUS reply. I want these tradelines removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

unable to check my balance or any other information about my loan over the phone or online. spoke to numerous customer service personnel .no one able to tell me why i can not access my account .tired being on the phone 45 minutes at a time back and forth transferring from department to department
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Three former requests to validate and verify items on a collection account. Equifax and XXXX is report all on time pay history with a derogatory account status, dates do not match up. they are reporting incomplete and inaccurate information,
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 Child Support account opened at OFFICE OF THE ATTY GENER on XX/XX/XXXX under the account numberXXXX and a Child Support account opened at OFFICE OF THE ATTY GENER on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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: Credit card or prepaid card

I applied for the card, but I never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried sent letters starting XX/XX/21 regarding collection accounts that were put on my account. I have no record of such collection nor I was in the hospital or doc in the past year. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I also have disputed several inquiries that I did not authorize and the bureau are still reporting.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX