23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX, XXXX Account number : XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Product: Payday loan, title loan, or personal loan

The amount of monthly payment Bank of the West applies to the interest payment varies and always has since this simple interest, installment loan began. It makes zero sense and isn't how these loans work. 

Simple interest installment loans have an amortization schedule over the life of the loan showing where from day 1 a portion of the monthly payment will go to principal and another portion to interest. Over time, more of the monthly payment begins to go toward the principal as the interest amount owed lowers becasue it is based on the total principal value.

This is not what has been happening with my installment loan since day one and a simple review of its payment history will reflect exactly what I am saying.
Product: Debt collection

I have a BestBuy Credit Card - serviced through CITIBANK.

My BestBuy Account was paid in full with XXXX Balance. 
Most recently I began receiving calls and voice messages from a recording stating the call was pertaining to a " balance due '' on my BestBuy Credit Card.

Odd, I did I have not made any purchases, nor have I authorized any purchases.

After attempting to call the CitiBank Credit Card Services for BestBuy, I was informed I could not file a " dispute '' until I spoke with a representative at Best Buy about the charge. 
I called the Corporate Number for BestBuy, after on hold for 94 minutes, without being able to reach a live person. I then called BACK CitiBank Credit Card Services for BestBuy and firmly requested a FRUAD DISPUTE be placed on my account. 
I representative stated that since this charge was made by the " XXXX  '' I was required to " Work it out '' with them directly! Whaaaaaaaaaaaaaat??? 
FRAUD, FRUAD, FRAUD! 
Please assist!
Product: Mortgage

After my Loan was purchased from Nation-star they preceded to say that I needed flood insurance however I am not I provided survey. Two months go by and collection calls come in after many phone hours trying to get to the bottom of this they needed a Map Addendum which I then provided. Another 2 months go by no adjustment to the records. Charging me late charges and reporting to credit bureau that Im late on payments when I still continued to pay my monthly mortgage on time. Finally after numerous calls the insurance is fixed and removed from my loan. Now they are saying that I am behind a payment. How is that when I provided all the documents to show actually an extra payment is in. They continue to send people out to take pictures of my home and charge fees to me even tho i have told them I occupy the property. The credit bureau reporting in accurate information is very concerning as I cant refinance or get the pmi off of my loan as it looks like i am behind and i am not. I have plenty of documentation, emails and voice messages to substantiate my claims. I have spent countless hours on the phone thru emails etc and nothing has helped. I am a single mother and my home is important to myself and my children this situation is very sad. I 've seen Nation star foreclose on properties because of the same lack of communication. Please Advise Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an account that I did not recognize so I called and the adress and phone number that they had we're not any that I have ever used and the date in which the account was opened I was not living in the state in which it was opened in
Product: Credit reporting, credit repair services, or other personal consumer reports

On about between 2 years filed 20 times for XXXXXXXX XXXX XXXX XXXXXXXX XXXX denied 20 times because of lack of credit. Equifax information service sent XXXX credit report and did not send me one.
Product: Debt collection

Since XX/XX/XXXX this Conn 's Home Plus has called me everyday 6 times a day to ask to me to pay {$72.00} on an account that is past due two days. I should not have to explain my financial situation to anyone as long as I make my payments before the 30 days so, my credit is not affected. If I did not pay within 30 days I understand that they may take action by reporting me to the credit bureau. I am going to pay them but, 6 times a day seems quit excessive for someone that is not even 30 days past due.
Product: Credit reporting or other personal consumer reports

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I had colleges and universities enroll me without a XXXX XXXX XXXX XXXX on Lies. The Schools were aware that I was not a high school graduate and all enrolled me, collected disbursements and XXXX XXXX  from the Department of Education Repeatedly. 

I've Reached Out to XXXX and the Department of Education to Rectify this and Nothing has been done about it " For Years ''.
Product: Money transfer, virtual currency, or money service

Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam and Im really devastated.

I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a Ponzo scheme. Here is the link to the fake website : XXXX XXXX XXXX  My funds sent to XXXX and XXXX were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. 
I tracked the downstream wallet, which was reported multiple times for fraud. XXXX and XXXX ignored the fraud reports and did not do anything to investigate and/or freeze the fraud wallet. 

I have reached out to XXXX and XXXX for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. 

They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. My funds sent to them from my account should be investigated and refunded from them. 
I need assistance at this difficult time. My police case is in progress as well. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I started a dispute regarding to incorrect information been report on my credit report with follow up letters none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company Thank you!
Product: Debt collection

I did a legal name change. 

My name was XXXX XXXX XXXX. It has been legally updated to XXXX XXXX XXXX XXXX I've been trying to get this updated with no luck.
Product: Checking or savings account

I applied for a Bank of America Checking Account and was not approved immediately. I had to call them to verify my ID because of a Fraud Alert from the XXXX XXXX XXXX. They ( Bank of America ) checked my credit report BEFORE approving me for the XXXX XXXX. I ordered checks through their online banking portal, and a few days later, I was contacted by Bank of America about fraudulent charges. Turns out, they stemmed from the checks and accessories I ordered FROM THEM. I then tried to get a savings account to connect to my BoFA Checking account on XX/XX/2021. At XXXX, I transferred money from my online accounts into Bank of America XXXX thinking it's best to have one reputable bank ( XXXX! ) By XXXX onXXXX I could no longer access online banking, use my debit card or even contact them as they had already closed. When I spoke to a representative on the phone the next day I was told my account was closed as a " Business Decision '' and I am not entitled to anything more than that. Not only that, they will not release my balance ( over {$1000.00} ) until AFTER XXXX XXXX, and a check would not reach me until 7-15 days after that. I only had this account for about 5 weeks, and they are holding my money XXXX for over 2 months! 
I did nothing with this account aside from use my debit card with XXXX, for purchases and to make deposits. I should have been notified if I broke any rules, I should be able to withdraw ALL of my funds NOW, not in 2 months after they charge me tons of fees and terminate all access to my account. I can not even check my transactions or balance as I enrolled in paperless statements. I can not access online banking, so how can I keep track on my money? This is just unethical and they shouldn't have approved me for an account if they were going to close it 3 weeks later. I see thousands of the same complaints and I don't know what I did wrong, aside from sending money with XXXX to people who may have had a bad history with them. Not fair, because I had NO problems with them. They just closed my account after I put all of my money into it from a few online only accounts. Oh, and I applied for a savings account, how dare I?! 
I want my money back asap. Please help me
Product: Money transfer, virtual currency, or money service

Money was taken out my checking account without my authorization. XXXX bank is refusing to initiate a dispute despite all my efforts to resolve the issue.
Product: Checking or savings account

Bank of America was well aware I was going through a hardship. I advised them many times. They only thing they offered was credit counseling which I was not approved for. Upon requesting help with my payments, they gave me a higher payment. They do not have any solutions to help out borrowers. 


They run the time on complaints- stating they will respond in two day then take weeks to. They took XXXX} from my checking account fully knowing I was in a hardship. They put me in dire financial stress making it difficult to pay my mortgage.
Product: Credit reporting or other personal consumer reports

I was checking my credit score on XXXX using a different crediting agency other than XXXX XXXX and I noticed about 50+ inquires on my account that I know I never authorized. I have not opened up anything with my credit. I have had an issue with my credit since I was a child when my mother used my credit for cable I need help with taking these things off of my credit. Here is a list of all of inquires not made by me. XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. some of them more than once.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I disputed an XXXX XXXX that was listed inaccurately on my credit report. This account has aged- off and is now time -barred. It is outside of the 7 year statute of limitation period. I never received any communication from Experian regarding the results of my dispute. When I checked the updated report on XX/XX/XXXX, I saw that the account was updated and verified as of XX/XX/XXXX. I provided documentation from the original creditor to prove that the account was past the 7 year XXXX and Experian still did not remove the account.
Product: Credit reporting or other personal consumer reports

I called XXXX VEHICLE AND PROPERLY INSURANCE COMPANY ( the alleged original creditor ) on XX/XX/2024, in regards to a collection on my consumer report and requested validation of the alleged debt of {XXXX}. They refused to provide me with the information because they claim to have no record of it. Then referred me to XXXX XXXX XXXX  Prior to my phone call to XXXX I contacted XXXX XXXX XXXX XXXX XXXXXX/XX/2024. I requested, Proof of Contract : With no evidence of perfected security, I require documented evidence that a valid, enforceable contract exists between us, demonstrating that I am legally obligated to pay the alleged debt. This documented evidence should include : - The full and unaltered contract, signed by all parties involved. 
- Clear and specific terms and conditions outlining the rights and obligations of each party. 
- Any amendments, addendums, or modifications to the original contract, if applicable. 
- The dates of inception and termination, if applicable, of the contract. 

They told me they would send documentation and validation of the debt, which I never received. Then was given a complete runaround when told to contact XXXX ( the original creditor ) at the conclusion of the conversation. They were very untruthful and non compliant in providing me with the information needs to resolve this matter. Both companies are in violation of the ( FDCPA ) & ( FCRA ).
Product: Payday loan, title loan, or personal loan

Jpmcb Card checking my report and noticed this account I haven't applied for.
Product: Money transfer, virtual currency, or money service

binance us owes me XXXX dollars and wont give it to me they said they would pay me by the XXXX and to call if i hsvent got it so i called and they refuse to help can you please help me
Product: Credit card or prepaid card

Bank of America has the wrong social security number on my account # : XXXX. XXXX is not my social security number. I want Bank of America to update their records with my correct social security number and date of birth which is : Date of birth :XX/XX/XXXX SSN : XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof. These are the accounts Ive marked as inaccurate XXXX XXXX {$110.00} XXXX XXXX  {$600.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$950.00} XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

The balance of all three loans on my credit report does not match the original balance I owe for each loan on the XXXX website. I have paid off 2 of my loans, with only one remaining with a balance, of {$6900.00}. XXXX, and my credit report shows that I still owe money for all three, with a balance of over {$40000.00}. I paid off one of the loans in XXXX, and now it's almost the end of XXXX, and I have not seen any updates on my credit report to reflect this. I paid off the other loan in XXXX, and they still haven't updated my account to reflect this on my credit report. This is not right and needs to be addressed!
Product: Debt collection

Owed a medical bill with XXXX XXXXXXXX that was denied insurance payment. Went to collections with Gulf Coast Collection Bureau during insurance review, although I did start to make payment apparently days before it went to collections. Since XXXX XXXX, I paid in {$100.00} increments with the XXXX in the middle. The entire bill was {$540.00} This was paid in full with a XXXX credit balance on XXXX XXXX. The week prior was {$100.00} payment with a remaining {$200.00} balance. 

On XXXX XXXX, I got another call from Gulf Coast Collection Bureau demanding {$100.00} payment for this acct. I don't know where the additional {$8.00} was from as my odd {$48.00} payment in mid XXXX made the remaining balance at even {$100.00} 's. I received the call from XXXX, once again on XXXX XXXX. 

I advised Gulf Coast Credit Bureau the balance was paid in full with a XXXX credit. She demanded my cc or chequing number to locate the payment ( potentially debting {$100.00} - I refused ) vs the collection company verifying the debt. She then stated if I paid in full, I must have another acct and she demanded payment. I refused and she said Gulf Coast Credit Bureau will be sending a demand letter for payment. Final payment of {$100.00} was paid on XXXX but Gulf Coast Collection Bureau letter dated XXXX XXXX - almost two weeks later. 

I received the demand for payment for {$100.00} on a paid in full acct they were advised was paid. I called XXXX XXXXXXXX yesterday and was verbally told acct had XXXX credit balance and no other accts/amts existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX XXXX XXXX has neglected to provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX
Product: Debt collection

I contacted company ( CCS Collections ) about an {$870.00} debt and they told me that they spoke to my spouse and she told them that she was goin to pay the debt. On two separate occasions, and when I asked my spouse she told me she felt threatened thats why she told them that.Its come to my knowledge that its against federal law to speak to someone or ask someone to pay on someones debt. I will need action swiftly to take this off my credit report and if not done I would be taking legal action against this company. Im embarrassed that this company has spoken to someone about debt that belongs to me. I would like this issue to be taken care of promptly.
Product: Credit reporting

I am a victim of identity theft and their is unauthorized and fraudulent credit accounts and inquiries listed on my Trans Union that do n't belong to me. The following credit accounts and inquiries listed are fraudulent : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX, XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX & # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXt # XXXX XXXX  XXXX  Account # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 -It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

REPEATED CALLS FROM PHONE NUMBER XXXX WHICH APPEARS TO BE FROM A COMPANY LISTED AS OPTIMUM OUTCOMIES INC, XXXX XXXX XXXX, XXXX  NC XXXX. AUTOMATED CALLS REFERRING TO A PERSON WE NEVER HEARD OF BY THE NAME OF XXXX XXXX. WE DO NOT RESPOND TO THE BECAUSE WE ARE NOT THE PERSON THEY WANT AND THE PHONE NUMBER THEY CALL US AT HAS BEEN USED BY FOR SEVERAL YEARS AND WE ARE DEBT FREE.
Product: Debt collection

Nationwide Recovery Systems is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the accounts ( # XXXX and # XXXX ) were unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. Nationwide Recovery Systems did not report the deletion of the XXXX accounts to XXXX, the other consumer reporting agency that it reported the accounts to. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in legal proceedings.