23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the account XXXX XXXX XXXXXXXX XXXX 1570 has violated my rights.

U.C.S. 1681 Section 602 A states that I have the right to privacy U.C.S. 1681 Section 602 A Section 2 its also states that a consumer reporting agency can not furnish a account without my writing instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my accounts that I did not make on XX/XX/XXXX. Company phone # XXXX and it's no longer in service. I've had problems in the past before identity theft. I'm going to get XXXX XXXX tomorrow. I think they tried to get a card or a loan. That was denied. Company address is XXXX ( travel-entertainment ) XXXX XXXX XXXX XXXX Ohio XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX received email from PayPal re : purchase of crypto currency and then XXXX banking accounts were compromised when I called the number on the email. Started receiving multiple phone calls and requests for gift cards to reduce debt XXXX dont have a Papal account but was given verification XXXX and the name XXXX XXXX XXXX XXXX PayPal Id # XXXX was the scammer who continued to call and aggressively direct me to purchase gift cards to lower my debt. This went on for 2 days until I blocked the calls and notified my bank. Money had already been taken out of my savings account
Product: Money transfer, virtual currency, or money service

Unintenttionally sent money to the wrong person and was not made aware that pnce the money is sent that you cant get it back.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and I recently discovered various fraudulent accounts on my credit files. I discovered several unauthorized credit card accounts, an auto lease and a mobile phone account that I also did not open. I quickly filed multiple police reports with DC  XXXX Police and XXXX XXXX XXXX Police Department. I also signed and notarized a FTC Identity Theft Affidavit stating that I did not open these accounts, authorize the transactions, or engage in any activity related to them. I submitted all relevant documentation and identification with Experian, XXXX, and XXXX requesting the fraudulent accounts to be blocked from my credit file pursuant to FCRA 605B. Although some of the unauthorized accounts were removed there were several fraudulent accounts that remained on my credit reports. That included a fraudulent credit card account opened by XXXX XXXX XXXX XXXX ; an unauthorized auto lease with XXXX XXXX  and a mobile phone account with XXXX. There was no explanation on how these accounts were verified and remained my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a coupe of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please removed these unknown items from my report as soon as possible. XXXX XXXX XXXX {$820.00} XXXX   XXXX XXXX
Product: Mortgage

On XX/XX/2021 I received final loan modification agreement of installment payment after my COVID forbearance. 

On XX/XX/2021 I received a notification that my mortgage payment was going to be {$1700.00} more from our agreement amount. 

According to agreement everything was already calculated escrow, past due, etc Today XX/XX/XXXX I have been going back and fourth trying to figure out why my payment almost doubled. Between contacting escrow department customer service and the loan modification department continue to point fingers at each other, then they say my homeowners county tax doubled witch is not true. 

They disbursed XXXX last year in taxes but the county only received XXXX, I am not sure how they are stating they paid that amount and they cant give me dates and there online system is very limited on what I can see. I need help regulating this lender because there terms and conditions for our agreement never stated I was past due on my Escrow account. 

According to the loan modification agreement terms sent in XX/XX/2021 I was only short XXXX, and I funded it with my proposed payments agreement prior to the loan modification agreement finalization. 

I attached the document. 


I need urgent help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX  account XXXX XXXX has violated my rights. 
XXXX account # XXXX has violated my rights The XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX  accout XXXX XXXX has violated my rights XXXX account # XXXX ; XXXX acoount # XXXX ; XXXX acoount # XXXX ; XXXX acoount # XXXX XXXX XXXXs acoount # XXXX XXXX acoount # XXXX has violated my rights XXXX  account # XXXX and account # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights XXXX XXXX ACCOUNT has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights 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 Seection 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX PROVIDED PRIVET INFORMATION TO A THIRD PARTY WITH DOCUMENTS UNSECURED. THE DOCUMENTS ALSO ARE INACCURATE AND LAW FIRM OF XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX IS TRYING TO COLLECT A DEBT THAT A LENDER IS COLLECTING UPON AT THE SAME TIME. PRIVACY INFRMATION WAS MADE PUBLIC WITH NO COURT RULING AND TRYING TO OBTAIN INACCURATE DEBT.
Product: Mortgage

Flagstar bank company opened my loan in Escrow basis and after I told them It's set up incorrectly they removed it from Escrow,. However, They mailed the escrow balance to a 3rd party. I called them multiple times and the last time after a long hold, they wanted to give me a third party number to call and ask them to return my money. I feel that they are resonsible to refund me for my escrow account and they failed to notify me for this wrongdoing. 

Thank you
Product: Credit reporting

To who it may concern. Upon receiving my credit report I have received a XXXX rating on my Consumer Credit and Background Report. I believe this is due to the incorrect information of a criminal record appearing on my report. The criminal record has been cleared for three years to date by the XXXX Superior Court XXXX California location, and my credit score should accurately display information. According to the courthouse the license plate violation was erroneously added to my credit report, and after verifying with the court I have paid the fee and it is cleared from my record. In addition, the criminal report is alarming and sounds like I have been convicted of a crime, when in reality it was only a traffic infraction for not having a front license plate. I would like this minor offense removed from my report due to the fact that I no longer have it on my record and it should not have been there. On my report there is also a non-exact match of the XXXX XXXX XXXX XXXX XXXX XXXX that I would like to have removed because it does not match me so it should not be a flagged section. Furthermore, I was not convicted of any crime and the case was dismissed there is no reason why this should appear on my record. This is affecting my possibilities of obtaining housing and I am very dissatisfied with the credit report. I am requesting a free copy of the new report that reflects the corrections made, and I am hoping that this edited report not be counted as my free yearly report. In addition I would like the new credit report to be sent to anyone who has received my credit report in the last six months, due to the previous ones having incorrect information. Also I was hoping to get an explanation for the XXXX rating because although I have been a credit card holder for only a short period of time, I have never missed a payment nor maxed out my credit limit. I am a responsible borrower and I have a good credit score listed as XXXX on the report.
Product: Checking or savings account

My BOA ( Bank of America ) accounts were closed recently. External transfers were not cancelled as per my request made to an XXXX XXXX, there is a transfer initiated on BOA end which is recurring in the amount of {$20.00} and has not been cancelled. Due to account closer, I am unable to log in and cancel on my end.. I have copied the email from BOA showing this recurring transfer, which needs to be cancelled out so it does not pull from my XXXX account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I had the sum of XXXX sent to me from the proceeds of the bitcoin i sold from binance platform, immediately the money dropped into my paypal account, paypal threw my account to account limitation, then i called and explained the transaction and i was told that the limitation will be lifted with 24hrs to 72hours. 

I have made 5 calls to the very rude and inhospitable customer service representatives and i was assured that the limitation will be lifted. To my amazement on XX/XX/2021 the account was permanently closed with my funds in it, then i was told i can not claim my money for 180days! without any form of empathy! 

I even explained an emergency i had, but they were not concerned. 

There is XXXX transaction which i remembered is a survey platform that helps you earn when you answer questions, they claimed it was fraudulent transfers. 

Kindly use your good office to claim back my money for me please, i am in dare need of it. 

I have provided them my International passport, my bank statement and all they required and i am ready to provide whatever they need, i do not engage in any fraudulent activity.
Product: Debt collection

This company keeps calling me and my work after I told them to never call my work number again. I dont know how they got the number where I work either. They call me then my work XXXX minutes later and they call my cell phone at least XXXX  times a day. I was not the primary on that lease so I dont know why they are trying to obtain the debt when it should be in the primary lease holders name. Attached is XXXX phone call that called my work this is unacceptable
Product: Mortgage

US BANK has been unwilling to work with me to modify my loan. I have consistently submitted all documents requested since XXXX 2014, with no avail.They constantly lose docments I fax, send correspondence from all over the US. No one can never give me the status and says its in underwriting or in process.THIS IS STILL CONTINUING to this day.
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. 

XXXX XXXX XXXXXXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX and any late payments from merchants 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 an 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.

It Is not the consumers responsibility to help credit bureaus to do their jobs. I already went into credit karma and updated my address which means, the credit bureaus information is not complete or accurate on my credit accounts.

Furthermore, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin American citizens, lives and their lively hood. 

Best, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

on XX/XX/2022 regional acceptance corporation decided to report a charge off in the amount of {$0.00} without my permission or notice violating my security and confidentiality, therefore damaging my consumer credit report limiting my ability to secure credit for me and my family 's well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an account validation letter to PMAB that was received in their office on XX/XX/2020. I received a response date XX/XX/2020. First problem was that i did not receive anything that was signed by me to give the permission to have access to very private information. ( HIPAA violation ) The next problem I noticed was that they have changed the account number from what they are reporting to the 3 major bureaus.Example : One account is being reported as XXXX but they responded to my validation letter listing that account as XXXX. They did this for each account i requested validation for. I have tried to dispute these accounts with the bureaus and they are giving me push back when I forward the information to them that I received from PMAB. This is clearly an attempt to keep me from disputing the validity of these items.I have been keeping very meticulous records of this situation. I will not hesitate to use all resources available to me to protect my rights.
Product: Checking or savings account

I have tried to reach out to Bank Of America because my account is currently negative {$360.00} which {$310.00} of that is all overdraft fees, I told them I want to bring my account in good standing but only have {$100.00}. Today before I proceeded with making a complaint I contact bank of america one last time to see if they atleast help me remove half of those fees and she was only able to remove 3 which honestly not alot of help ...

I am currently struggling because my check is {$600.00} short due to only working 20 hours a week, and having 2 deaths in the family due to XXXX. so helping me remove those fees would help me alot.. I have contacted them 4 times and they always just say they cant help and that theres an agreement that they can charge those overdraft fees but theyre clearly not being considerate that their clients are struggling. yet they're currently trying to charge us for money I dont even have. worse part is I would understand if theyre covering the bills and actually paying for them on top of an overdraft fee but all those fees are are due to the ach bouncing. all Im asking for from Bank Of America during these tough times is to help me remove those overdraft fees. if I had the money to cover these overdraft fees I would just do it instead of going through this whole hassle but I have no other option. 
I have provided proof of my paystubs of how much my income has changed in the last couple of months ...
Product: Credit reporting or other personal consumer reports

Would like these Hard Inquiries that have violated my rights deleted from my credit report XXXX XXXXXXXX Prestige financing Flagship Credit XXXX In Accordance of the Fair Credit reporting act.These hard Inquiries above has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section XXXX A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC 1681c ( a ) ( XXXX ) 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 XXXX years 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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

It is showing delinquent payments since XXXX, but that is impossible because payments arent even due until at least XXXX months after graduation which I graduate in XX/XX/XXXX and I had the ferment that went into XXXX where the Loans got all the way up until now, so there is no late payment that should be shown at all on my credit report. Every time my loans get sold to a new loan provider, they put on my credit that its been late payments and delinquent since my freshman year of college, which is impossible. My loans have been resold many times while in good standing, and each timethey are being reported as negative delinquencies on my account, as if I wasnt in good standing.
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 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: Debt collection

Received a notification on my credit report that a collection from XXXX of {$100.00} from XXXX, XXXX. I thought my account with XXXX was closed and was paid in full. This credit collection was put on credit report XXXX, XXXX - 5 years later from Transworld System Inc, I thought it was a scam or identity theft, I disputed with all 3 credit bureaus, XXXX took it off my credit report, XXXX and XXXX did not. 

I called Transworld beginning of XXXX and they said it was me and I owed this, I called XXXX and they couldn't give me any info because account was closed and sent Transworld . 

I called Transworld back and was told if I paid {$75.00} it would be settled, so I paid {$75.00} in XX/XX/XXXX. 

Now I continue to call Transworld to close the account, I hear every time that a manger has verified the discount and has closed it, but it still shows on credit report. 

I still don't believe owed this debt, I have bought 3 houses and refinanced mortgages, so my addresses and information ( phn and email ) are easily obtainable, not sure how after 5 years something can be put on your credit report without proof.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was alarmed to see an unauthorized inquiry that should not be there. I dont know how this happened, and its incredibly upsetting. I even attempted to refresh my browser, thinking it might be an error, but the unauthorized inquiry stayed. I need this issue fixed right away. Please carefully examine the documents Ive sent so I dont have to worry about this again.
Product: Debt collection

I bought a phone contract with XXXX online, where I was told My service would include " international calling '' specifically, calls to the XXXX where my wife resides. I ask the agent specifically about this. I went to the local XXXX store and activated the phone I had received. A few days later my service was discontinued. I contacted the local store and they said I had to return the phone, because my credit was not good enough for the contract they had sold me online. I returned the phone and was refunded my payment. Then they sent me a bill two months later saying I owed them {$430.00} for the few days I had used the phone and for long distance calls. 
I contacted XXXX and explained how their agent expressly told me calls to the XXXX were " covered '' under my plan. However, after review they said my " international '' coverage was only for XXXX and XXXX. After my refusal to pay this ridicules amount they have turned the " debt '' over to a collection agency and even lied saying I had already made a payment, which I had ( my original payment online ) but that amount was refunded to me. They are the ones who terminated our contract without notice and I will not pay them because of their breach and lies about coverage.