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

In XXXX I was a victim of identity theft for the first time my ID, Social security card was taken. Numerous accounts ( banking and other ). Also in XXXX it was stolen again. This has been an ongoing process which seems to feel like no resolution. I have police reports as well as other documentation. 

XXXX  XXXX XXXX ( Deposit Accts ) XXXX XXXX ( DEPOSIT ACCT ) XXXX XXXX ( DEPOSIT ACCT ) Discover Bank ( Credit Card ) XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX ( XXXX XXXX ) {$220.00} XXXX XXXX ( XXXX XXXX ) {$2300.00} XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX  ) {$3300.00} XXXX XXXX ( XXXX XXXX XXXX ) {$80.00}
Product: Credit card or prepaid card

I'm disputing charges and requesting my Chase credit cards be closed. 
On XX/XX/XXXX, I received an email from Chase Credit Card stating that " your credit card ending ( XXXX ) statement is ready and the statement balance is {$40.00} and due date XX/XX/XXXX. As soon as I received this email, I called Chase and disputed the charges. I told the operator that I did not use this credit card since XXXX of XXXX due to many problems I had with Chase. If there are any charges, they are unauthorized charged. I asked the operator to close my account, but instead, the operator told me that he would send me another credit card. The problems started last year when chase stopped sending me the monthly statement by mail. Then, per Chase 's instruction, I opened an online account, but Chase blocked me from accessing my account soon after I opened it. I have no way to know who is charging me and why I'm being charged. If there are any charges on my Chase card ending XXXX, as alleged in the email, I dispute those charges and request them to be removed from my account. I also request this credit card ending XXXX be closed immediately. In addition, I request that my other credit card with Chase ending XXXX be closed as well. I appreciate your help.
Product: Credit card

I applied for a new Bank of America XXXX XXXX credit card on XX/XX/year> ( application ID : XXXX ). I was automatically denied. I spoke to a live agent on XX/XX/year> who informed me I was denied due to too many recent card approvals on my credit report ( XXXX ). 

Upon closer inspection of my XXXX credit report, I see only 2 new personal credit card approvals in the last 12 months ( XXXX in XXXX, XXXX in XXXX ). This is far below any reasonable limits for new card applications. 

I have a 20+ year relationship with Bank of America and a Preferred Rewards Platinum client. I am disappointed there is no support for my application for a new Bank of America product.
Product: Mortgage

I am writing you again for the XXXX time because NFCU is continuing to report erroneous information to my credit profile. NFCU is attempting to report foreclosed information to my credit report after the 7 year reporting period by changing the date of delinquency on my accounts. The first date of delinquency is the date of my bankruptcy. After 7 years, NFCU is required by law to stop reporting on these account all together XXXX the Fair Credit Reporting Act. They are also labeling these accounts as being open and active when they are bankrupted accounts and should be labeled as such. They have updated and re-aged the accounts in order to continuing reporting on it outside of the 7 year period. Any status regarding these accounts outside of the 7 year period should not be reporting. NFCU actions have caused my credit score to decline and increasing in my premiums for insurance and utility services. I have disputed these item with the credit bureaus and have sent correspondence directly to NFCU for correction only to have them corrected when under fire and re-reported a couple of months later. I am requesting that NFCU stop harassing me by means of the credit system. This is a deliberate act because they have been warned by me, my attorney, XXXX and CFPB have sent them correspondence regarding this matter in the past. I am requesting that NFCU cease from reporting on any and all account included in my XXXX 2008 bankruptcy and submit accurate account data to the XXXX credit bureaus. This is my third and final request. Legal action will be taken XXXX the FCRA. 

*They have also removed the account from my report in the past, but added it back after a few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX was notified by XXXX XXXX  of possible breach and offer of 1 year under experian. I signed up. Since then experian has continued to send by email personal credit information from my report to advertise their services. As emails aren't secure, as the XXXX  bust spread many of our emails, and as personal credit information is not provided or collected to be published by experian or any credit bureau they are violated their duty and the law.
Product: Debt collection

I have a payment plan with Rausch, Sturm, Israel, Emerson & Hornik Llc. 
By law I requested a letter with the information of how many payments I have left. I requested for that letter alnostv2 weeks ago and I never got it. 
I called em yesterday and asked bout it and the guy I talked to told me to call 1/2 hour later which I did. once I asked bout it again the guy hang up on me. I called XXXX or XXXX tines more without any luck finally I ended up talking to a different person who asked me for some information and told me he will get somebody to call me but nobody did. 
I called this morning again and after several calls in which I was left waiting until they hang up on me every time I finally talked to a guy whose namevas XXXX. 
He asked me for the same information the other guy asked and promised me to send me an email with the info I requested but he never sent me the email and by law if I requested the info bout how many payments left I have they have to provide it but they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent or authorized nor thing I again anything from these accounts. These accounts are not my accounts.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my credit report, I noticed a number of unauthorized inquiries and accounts not belonging to me and were not authorized by me. I've repeatedly tried to address this problem with the companies and the credit reporting agencies, but I've not been able to get help. 

Here are the fraudulent accounts and inquiries below : 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: Payday loan, title loan, or personal loan

Loan with company : CASH1 I am struggling to make payments due to several personal circumstances.

When called the Cash 1 Prelegal Department ( XXXX ) to arrange a payment plan, someone by the name of XXXX responded. I told her the reason why I was behind on my payments and that because of a family emergency, I had to travel out of the country. She said, " that I travel too much and that was the reason I could not pay my loan '' she also said " you are not going to tell me how you want to repay this loan '' among other things. I have been a customer of this company for several years. I am not happy with the way this person responded to me, even when I told her I wanted to repay every cent and needed help repaying with a NV Plan like they have done in the past. 

As of XX/XX/2020 Loan ID : XXXX Balance : XXXX XXXX ID : XXXX Balance : XXXX
Product: Debt collection

I opened a utility account with XXXX XXXX XXXX. When I received a bill from them the bill included a much larger bill than could be possible. When I called XXXX to discuss the issue they finally agreed to investigate after a great deal of prodding. 

Upon completion of their investigation, they determined that the previous account holder had done some illegal things to steal power and they had aggregated all of the previous account holders usages and placed them on my account. 

After getting a manager involved they admitted to their actions and they reduced the bill. But what it appears that they did to be spiteful, they send the balance to be paid to a collection agency ( XXXX XXXX. ) The problem is that now that I have paid it on my credit report as if I was a delinquent customer rather than a customer that was improperly billed. 

I am a XXXX and I have many XXXX. Tenants are responsible for their own utilities. When a tenant moves out I have to place the utilities in my name for a limited amount of time. XXXX XXXX XXXX has systematically tried to make me pay for all unpaid bills that the previous tenant has not paid. 

XXXX XXXX XXXX has a policy of attempting to confuse bills by aggregating multiple bills together in an attempt to confuse the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I paid my collections for razor capital off. The issue is Razor capital and XXXX broke the law. Legally if the account is sold to the original corrector, I am not liable for that debt. I only paid it because they were threatening to take me to court, threatening to come after me, threatening to get police involved. They broke the The Fair Debt Collection Practices Act! These are all violations of U.S Law! 

Per 15 Us 1692c : a debt collector may not communicate with a consumer in connection with the collection of any debt. I was sent paperwork by mail, they blew up my phone everyday. I felt harassed, scared, stressed out!! They also called me before XXXX and after XXXX which is against the law!!!! 

The information on my XXXX  report and XXXX  report are being reported inaccurately and does not have the same information. If your fail to communicate to the consumer reporting Agencies that this company broke the law, that would be a violation Pursuant 15usc 1692e8- False or misleading Representation! 

Per US LAW a consumers debt is not allowed to be communicated unless I gave consent. I never gave consent for Razor capital to contact me! Look at 15 U.S 1692b. 
I was also represented by an attorney and they still illegally was harassing me!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I used my chase bank app and sent {$XXXX} to someone that was imposing to be a dog breeder, which later turned out to be a scammer. I contacted the bank since i used the chase XXXX XXXX to send money. They said they wasn't able to refund me or even reverse the transaction after i told them it was a scam. They said it wqas done using XXXX, which is a third party so i contacted XXXX  customer service and they were also not able to refund me my money. The scammer blocked all of my numbers and i have absolutely no way of getting my money back. Please hep!
Product: Credit reporting 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.

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 informationisinaccurate
Product: Bank account or service

Denied a Now Card account. Possibly because have no credit.
Product: Student loan

I have had over the required 120 qualifying payments for PSLF forgiveness since XXXX of XXXX. Since that time I have submitted 2 additional PSLF forgiveness forms and I am now at 141 qualifying payments as of XX/XX/XXXX. 

I have called MOHELA representatives multiple times asking my my loans have not been forgiven and they can confirm I have the required qualifying payments but they can not explain why I havent been forgiven or what their process is to confirm when I will be forgiven. 

I have also submitted a message request asking MOHELA why I havent been forgiven but got an autogenerated reply with no details.
Product: Mortgage

I understand some pretender lender loan servicers use cozy relationships with employees and cozy relationships with shady lawyers to help with embezzlement cover-up's.. The big question under oath will be, are some opposing counsels committing fraud upon the court claiming to have personal knowledge and have looked at all the manufactured documents to assist troubled pretender lender loan servicer 's with financial crimes. We all know the laws allow plaintiffs the right to have a fair jury trial to prove cases with evidence. The big question that continues to go unanswered, is opposing counsel spinning the laws to attempt to take away plaintiffs rights to have color copies of all the so-called original loan documents that have been so called notarized? One would think a honest lawyer would provide the plaintiff with documents that the plaintiff is entitled to without response threats. One wonders who all the parties really are who are out to desperately embezzle my property. We all know many lawyers have been disbarred and jailed for financial crimes. We all know the FBI investigates and jails criminals for financial crimes. When is opposing counsel going respond to my consumer complaint without spins and provide me with color copies of all the so-called original loan documents that have been so-called notarized that I am entitled to. The other question that continues to go unanswered all of these years is, when is opposing counsel going to allow my FBI forensic expert access to the so-called original documents, including the so-called original note and the original void assignment that was signed off by XXXX and XXXX employee just days before the pretender lender counsel filed its bogus lawsuit to pretend to be a party of interest then committing fraud upon the court? I look forward unwinding all the injustice with evidence. I look forward to the CFPB enforcement findings. I look forward to a jury trial. I look forward providing the California State Bar enforcement division with evidence after I am awarded damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Military Star Card personnel allowed individuals to change my home of record. After multiple attempts in the month of XXXX my home of record address was changed to an apartment in New York. Without verifying my DOD # or verifying via DEERS my account was redirected. This prevented any written correspondence to reach me in Michigan. This dereliction by Military Star Card allowed my account to go into default. My credit scores dropped 72 and 75 point on 2 bureaus. 

I eventually became aware of this in XXXX when I attempted to make a purchase online via AAFES. This is when I became aware of my defaults status. Three telephone conversations lasting over 3 hours I thought I had everything solved. 
Today I received a notice that a garnishment had been initiated by Military Star against my Military Retirement Pension. This is unfathomable!! How can a Credit Card company just sit back, destroy an individuals credit and reputation without even attempting to call or contact the individual that a change has occurred to your personal information, or this how we are going to correct our mistakes
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my credit Report Ive been notifying/disputing with Equifax for over a year and a half now multiple times and Exuifax is still reporting the 2 inaccurate accounts on my credit report : Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the two inaccurate accounts above off of my credit report but Equifax is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Equifax Delete the Two accounts immediately off of my credit report because they do not belong to me ( Name : XXXX XXXX XXXXXXXX Account number XXXX ), has violated my rights. 

Im fed up and Im on my last leg i will sue Equifax if they dont removed the two inaccurate accounts off of my account immediately.

Thanks
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX ERRORS IN DATES, BALANCES, CLOSING DAYS AND LATE PAYMENTS. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my report I do not recognize
Product: Bank account or service

I submitted a dispute with BK OF AMER account Number XXXX. I have never had any affiliation with this debt. My son and my spouse battled XXXX simultaneously and unfortunately loss their battle and seeing the date on my credit report, this debt seem to have occurred during that time. Again, I knew nothing of this debt until viewing my credit reports. I have attached the case number with the XXXX Police Dept an incident report. This account has been on my credit report since 2007, I am asking Bank of America to release me of liability. They indicated that I made some payments. I have never made any payments and was not aware of any payments. I have accountable police reports that I previously reported to the police department in regards to my deceased son 's ex-girlfriend 's fraudulent acts in regards to me and my family that I have no problem submitting and that would be the only way any payments could have been made in which I would like my money returned. I have also attached my property tax document which shows my address in 2007 which is the year on the credit report. I have attached my XXXX XXXX Document which shows my address prior to 2007 and it has my signature. I am not familiar with the address associated with this account that Bank of America has on their application, nor phone etc. Please take notice, that my residences are not the ones on their application. The only reason the company has my address of XXXX XXXX XXXX XXXX is because I contacted them about the account and provided my address. I never signed an application, never received any benefits from this organization. Nor was I contacted because my credit report has a fraud alert and I was not contacted prior to issuing credit in my name. Now this organization is aware of my constant disputing of the debt and Bank of America have submitted this debt to the IRS as a charge off and IRS has sent me a bill for a debt of {$1200.00} in which I am not liable for.
Product: Credit reporting or other personal consumer reports

A car loan was taken out with XXXX XXXX in XX/XX/year>. I was the co signer of a ex partner he got into a accident a month after getting the vehicle. When he had took the vehicle out from the dealership he had no drivers license and they let him take the vehicle out and also did fake insurance the man that did the fake insurance for my ex partner was later down the line fired for this. XXXX XXXX knew that no one had a drivers license and still lend him money for a loan. I looked into Credit acceptance and they are being sued for giving out car loan to minors to ruin their credit report. The car got total and a police tow truck towed the car and took it to a mechanic collision spot. Its on record at the XXXX police station. I reached out to XXXX XXXX and told them this is affecting my credit report and me and my ex partner are no longer together and that the vehicle is not in anyones possession due to the accident that was had. They said that the last location they see of the vehicle was in 2019 at the collision spot. The main owner couldnt afford the vehicle so he left it at the shop. XXXX XXXX knew this and did not come for their and have the vehicle on our credit report as if we still have the vehicle and they are collecting interest. The car was a XXXX and now the amount is at XXXX. I have explained to them various of times that if they knew no payments were being made and they knew where the vehicle was why didnt they go get their vehicle. No information was provided after i stated this and they still have yet to remove it off my credit report and look for the vehicle. I contacted the last place the vehicle was at the man said he junked the vehicle and refused to give us proof. I honestly think XXXX XXXX got their vehicle and refusing to admit it because it doesnt make no sense of why after all these year the car was never repossessed and are having it on file as we still have the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXX XXXXXXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my Identity to open Fraudulent Accounts using my person Information without my consent