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

In my case, on XXXX XXXX XXXX was partially deposited until XX/XX/XXXX in my Account. 

On XX/XX/XXXX I gave my peer XXXX XXXX from XXXX  my card and pin. XXXX recently lost his grandma during XXXX. XXXX is an XXXX  that was XXXX XXXX XXXX XXXX XXXX XXXXXXXX been through some rough times. We all have XXXX  stories. I just didnt see this in XXXX XXXX he was always sweet and ready to help me with my XXXX. I gave him my card so that he can go get him a car I know he was going to XXXX  and working on himself. I gave up my card and pin because I was working and I have a XXXX. I want to see us all make it and most definitely XXXX. Never in a XXXX years would I have thought he would do this. I only known XXXX for roughly a year. I know he was XXXX  kind of staying place to place and I was just trying to show support. I gave XXXX my card and pin so that he can deposit his money in my account. I didnt think to question him only because I was extremely busy and I didnt sense anything like this. I owed money on rent and was forced to be XXXX  during this time ; I definitely didnt have no {$10000.00}. I got move out orders and pass bills. 

Because of this identity theft XXXX XXXX  has restricted my account and XXXX XXXX. I need my accounts active this identity theft is causing me mental breakdowns and stress. My children are affected by this identity theft as well we all seeing XXXX XXXX XXXX My daughter whom is already XXXX XXXX XXXX XXXXs really depressed because I cant do certain things for her without my accounts. We are experiencing a lot of pain and suffering. We are law abiding citizens and we have a good XXXX to due diligence in this world. Although we should not have to suffer. We should not have to pay this back. All of my personal information was leaked in a data breach as well. Can you please help me with my case. I am now mindful of my actions far as helping others. 

My vehicle was stolen with all my personal information and including my childrens information in XXXX ssn birth certificates id XXXX XXXX XXXX XXXX  worth of XXXX. 
My vehicle was broken into XXXX personal information stolen identity medical cards ssn card My id theft report reference # XXXX My incident report # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Has not responded to taking these accounts off of my credit or they have not unrestricted my XXXX XXXX Or my XXXX  account. 

I have more police reports as well. 


XXXX XXXXXXXX XXXX Is another account I have a problem with. This guy from XXXX deposited XXXX into my account but was actually stolen from another account I believe. I reported this incident with XXXX  XXXX XXXX customer service fraud team.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hows it possible that youve reported me 90-days late with no late payments prior to that? I was never late on this account.

I am not sure how this happened, I believe that I had made my  payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

I requested info on XX/XX/XXXX in regards to spreading my escrow in a 4 year spread and they notified me that I can spread the escrow for 3 years instead of XXXX. The rep told me to send the request to XXXX, which is what I did. I received an email on XX/XX/XXXX stating that my request was denied and that I can look into a loan modification. I called customer service on XX/XX/XXXX and asked why it was denied and the customer service rep said that the request was denied because I did not provide any info on why the request was needed. I let her know that the previous rep did not tell me that I had to provide detailed info. I asked to speak with a supervisor and the supervisor told me that the option to spread the escrow does not exist at Land Home Financial Services. After speaking with the supervisor I asked to speak with a manager and the manager basically told me the same thing. I am not clear on what the options are because 2 people said there was an option to spread escrow and 2 people said there was not an option and the only option was to do a loan modification.
Product: Mortgage

VA mortgage was not closed from XXXX account in an timely manner.
Product: Debt collection

This Diversified consultants is calling nonstop harassing me 3-4 times a day- I have clearly stated to them I am searching for solutions for a bankruptcy and to please stop calling and after that it has gone crazy nonstop calling at home number cell number at all times of the day. I am going crazy I am stressed and can not sleep at night I am sick over this. 
This is not normal collection practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Disabled my login : https : //usa.experian.comXXXX Give immediate error no chance to enter login information. 
Access denied Error 16 usa.experian.com XXXX XXXX XXXX What happened? 
This request was blocked by the security rules Your IP XXXX XXXX XXXX XXXX : XXXX ( ID XXXX ) Incident ID : XXXX Creating a new account does this : We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX to XXXX XXXX PT Sat - Sun : XXXX XXXX to XXXX XXXX PT it appears that you have discriminated against my XXXX number.
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 1

681. 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, credit repair services, or other personal consumer reports

Pursuant to XXXX XXXX XXXX, Experian has the responsibility of reporting accurate information. The following addresses listed on my consumer report are inaccurate and I tried to dispute them. Upon trying to disputes these addresses, Experian blocked my attempt noting that only the creditors can verify my the accuracy of the addresses. : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX.
Product: Credit card or prepaid card

This credit card company has been adding overage fees and other fees every month. There has been charges made to my account last year that doesn't belong to me. I have made a payment of {$45.00} or more made every month. However, my balance has become unmanageable due to all the extra fees being added monthly.
Product: Checking or savings account

My husband and I set up external account connection from XXXX of my Truist savings accounts to his bank account. We did al the micro-transaction verifications, responded to all the bank XXXX entering them at every step along the way. Finally, a couple days later, it's been verified by " them '' and we're allowed to transfer. First transfer has a limit, we send that limit through bank connect along with another XXXX  payment for a much smaller amount. 2 days later I try to log on to my account to pay my bills and find out that I'm not able to access my account through my phone. I tried the next XXXX  ( today ) to access through a computer but was still denied access. No reason listed. Just said to call some XXXX # on XXXX. XXXX this was XXXX XXXX I called the number anyways but no answer. Called the fraud dept this morning to ask if I needed to be worried. I received no calls, no texts, nothing. Just denied access to my accounts. She said it appeared that there were XXXX transactions that were flagged for potential fraud. I started off the conversation telling her that my husband and I were making these transfers and then told her how much they were for and she could verify the amounts and transactions but couldn't give me access to my account. Told me to go into a branch. So, I do. XXXX is busy with someone else waiting so I get in line to make a withdraw. The fraud girl told me that I could still get my money and at this point, screw the bank connection. I'm already IN the bank. Can't make it more " real id '' than me standing in front of you. Get up to the teller and after 10 minutes of telling her exactly what I wanted to do, and answering her questions as to why I'm making the withdraw ( I get why they ask, just one more point of verification ), I was denied access to my money in it's entirety! They not only locked my access to view my bank information, they also locked the savings account that the money was transferred from AND all of my other accounts ( with the exception of a joint account I own with my daughter ). I was left, again with, " Try again XXXX  ''. I needed cash so went over to a different bank and XXXX! I was able to ( pay the fee ) and get some cash but not close to what I set out to do. 
Truist really screwed me here. 
And they have still not called to alert me of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called XXXX about a debt to be settled for deletion on XX/XX/XXXX XXXX ; XXXX i was forwarded to the accounts dept for credit reporting the representative informed me there was a balance of XXXX in which i told the agent the i cant afford. she said said well we can settle this amount for {$310.00}. i said thats only {$15.00} decrease but thats still to high for me. after a couple of minutes of negotiating she said to me, can you do {$210.00} by the XX/XX/XXXX. we both agreed that this amount would settle and delete this account from my credit reports. so we agreed that i would make two installments to clear up the debt. XX/XX/XXXX i made a payment of {$110.00} and when i made a payment of {$100.00} on the XX/XX/XXXX. i was told by another representative after immediately after that i still have a balance and that XXXX doesnt settle accounts. i said a rep there told me that after i make this payment the it would resolve and delete this XX/XX/XXXX account of my reports.they made me call XX/XX/XXXX ( XX/XX/XXXX) i called the about the issue and they told me there was a balance for XX/XX/XXXX of {$110.00}. i said i dont have a balance.explained to the rep what happened and i told them that i dont intent to pay anyone more money that i dont have since i was lied to. the rep said the would settle and close and delete the account for $ {$58.00} which i paid on XX/XX/XXXX.
Product: Checking or savings account

Over the past year, Bank of America has kept failed wire transfer fees when either the wire was initiated using the self-directed wire transfer option under Transfer/payments online or in branch repeatedly. Can recall 3 failed wire transfers where Bank of America has kept the fees without properly reversing them to me timely. If Bank of America 's employees are unable to enter correct wire instructions and/or if their fields in the self-direct wire transfer were clear, conspicuous and understandable to an average person, then these wire transfer attempts would not have failed. Lastly, Bank of America does not provide the same wire transfer fields on the self-directed wire transfer under Transfer/payments, as it does when going into a branch, and having a representative to enter the fields. Bank of America makes it extremely easy to ACH and send money peer to peer, but has failed to create a user/ADA friendly wire transfer platform on its website. The fields that are asked from customers as myself are extremely different than wiring instructions provided by XXXX XXXX, XXXX XXXX, and XXXX. Due to these material differences, users like myself can not make timely and opportune transfers.In a couple instances, I have loss over XXXX XXXXXXXX in day trading/investing opportunity at my external brokerage accounts because Bank of America 's confusing, unconventional and cumbersome self-directed wire transfer platform. This is further uncovered by the fact that 3/4 time when I go to the Branch to have a wire performed, the branch representatives also find it difficult to use Bank of America 's wire transfer platform, and have great difficulty entering standardized wire instructions from other financial institutions onto its platform. Lastly, due to dilemma raised by the limitations of Bank of America 's self-directed wire transfer platform, customers like myself are forced to go into branches with an iota of hope to get wire transfers completed and completed successfully ; although as mentioned XXXX XXXX  reps have difficulty processing wire transfers on XXXX XXXX  platforms as well. XXXX knows that customers can not just walk into branches to perform wires, but they are encumbered by XXXX representative scheduling in which in some times are heavily booked and again financially injures customers like myself to wire money timely, notwithstanding the time, gas, pain, XXXX and emotional distress associated with jumping hoops to do such. In some instances, I have had to drive long distances just to find an available XXXX representative. These issues above have costs my thousands of dollars and lingering heartache and emotional distress as a result, because the Bank I have frequented business for years undermines my financial freedom/mobility and ability to generate wealth for myself and my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been completely unresponsive since XX/XX/2023 when they unauthorized a transaction out of my checking account. They closed everybody 's accounts without warning and pulled my entire balance from my card. I filed a dispute with my bank on XX/XX/XXXX, and they were able to stop the payment and refund my money. I attached a document from my bank ( XXXX ) that they did a thorough investigation of this company and realized that my complaint/claim was legitimate so they allowed me to keep the temporary credit they provided for me. I know thousands of people have tried contacting XXXX XXXX 's customer service, including myself. I legit have either called or emailed their collections department, or their customer service department XXXX times. I attached the email showing that my card would no longer work. This company is a bunch of crooks. Luckily, they do not owe me any money. However, I know of people who they owe thousands of dollars and all they get is an automated email response. When you call this company, it is an automated message that states " No customer service agents are available at this time. '' I've called several times at different times of the day, and different days of the week. It's been the same story. 

Moral of the story is, I do not want my credit report negatively affected. I already have a dispute filed through experian, but I want to take the next step in order to protect myself further. Please help me, I can not afford my credit score to be impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX 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
Product: Debt collection

I mailed certified registered letters to ARS asking for a DEBT VALIDATION letter for all the accounts that show on my credit report with all three credit bureaus. 
ARS in turn sent me VERIFICATION letters that contain medical account numbers that are attached to medical/healthcare facilities and has my name attached to them as well. This is a direct violation of HIPPA regulations including but not limited to the 18 HIPPA Identifiers. I never signed a HIPPA form authorizing them ( ARS ) to have this information.

I am attaching the letters I sent ARS and the responses they sent me in this complaint. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian CRAS. On XX/XX/2020, I mailed XXXX,   XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my TransUnion Credit Report made by the following companies : XXXX XXXX, Inquiry date XX/XX/year> XXXX XXXX, Inquiry date XX/XX/year>, XXXX XXXX, Inquiry date XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

JPMorgan Chase & Co has obtained and reported nonpublic personal information about me without any agreement in effect that would authorize them to do so, in clear violation of 15 USC 1681b, and relevant identity theft statutes. I do not, nor have I ever had any account or agreement in any capacity with any JPMorgan Chase XXXX and/or subsidiary. JPMorgan Chase sent a letter to me confirming that I do not have any accounts with them in connection with a separate CFPB complaint formerly filed. JPMorgan Chase & Co obtained my consumer report at least once on XX/XX/year> from XXXX XXXX XXXX with no authorization from me. With no agreements/contracts between JPMorgan Chase & Co and myself, JPMorgan Chase is subject to relevant statutes regarding protection of NPI including but not limited to Regulation P and Regulation V.
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN : I XXXX XXXX XXXX COMPLAINT TO THE FOLLOWING PARTIES ( XXXX, XXXX AND XXXX ) ABOUT UNAUTHORIZED HARD INQUIRIES AND ACCOUNTS ON MY CREDIT. I WROTE TO THE PARTIES MULTIPLE TIMES AND NONE OF THE PARTIES ANSWERED NOR RESPONDED TO MY REQUEST. I WILL BE ATTACHING COPIES OF THE BRIEFS I SENT TO EACH PARTY INCLUDING DATE, ACCOUNT NUMBERS AND ETC. SO TO WHOM THIS MAY CONCERN MAY ANY OR SOMEONE RESPOND TO MY REQUEST AND I SURELY APPREICATE YOU AND THANK YOU XXXX XXXX XXXX
Product: Debt collection

I was going through hardship and couldn't pay the bill in full. This company notified my employer for garnishment around XX/XX/year>, but I got on a payment plan.
Product: Credit reporting or other personal consumer reports

Fraudulent account. I never signed any consent or contract with this company
Product: Student loan

I am in XXXX  school and taking half time classes for about a year already. Navient is requesting I pay student loans EVEN WHILE IN SCHOOL HALFTIME. This is unfair and highly unethical as I try to pursue my XXXX. I am studying to become a XXXX  XXXX at XXXX XXXX XXXX and have sent them documents on XX/XX/XXXX stating I am taking halftime classes WHICH THEY ACCEPTED. What they are doing is wrong and they are unprofessional as i have been taking HALFTIME COURSES ALL YEAR.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

On XX/XX/XXXX I was contacted by CU Recovery about a debt collection for the amount of {$2300.00}. On XX/XX/XXXX I sent a Cease & Desist from Collections to the company along with documents outlining several US code violations. Their continuous calls and such conduct have caused me to suffer XXXX XXXX, embarrassment, XXXX XXXX and XXXX XXXX.