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

Accounts opened using my personal information that are not mine. 
XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXX XXXX  XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Open Date : XX/XX/XXXX ( Balance {$290.00} ) XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # : XXXX Open Date : XX/XX/XXXX ( Balance {$1100.00} ) XXXX XXXXXXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX ( Balance {$710.00} ) XXXX XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX ( Balance : {$870.00} ) XXXX XXXX XXXXXXXX Account XXXX : XXXX Open Date : XX/XX/XXXX ( Balance : XXXX ) False Inquiries 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX False Personal Information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

i never had. no card i been asking them to remove the fraud account off my report and it been going on 90 days can someone please help
Product: Credit reporting or other personal consumer reports

Transunion is reporting 3 account that do not belong to me I sent a detail letter asking them to verify the social security which they have no provided the account are listed below XXXX XXXX XXXX balance {$1200.00} XXXX XXXX XXXX balance {$1900.00} XXXX XXXX {$350.00} I am requesting immediate removal this account have affected me in my process of buying a home is these account are not removed I will be filing a civil lawsuit under FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX  XXXX  Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries T-XXXX  XXXX  XXXX XXXX  on the XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

received emails stating that i had opened up an account. attempted to dispute with citi bank. was transferred to multiple people and was told to call back in 5 days and talk to the application department. i was told it would be cancelled but they refused to send a verification email after i requested verification. still unsure if they cancelled the account
Product: Debt collection

This company has been calling my mother to say I have a debt that is owed from XXXX XXXX and I was going to get sued if I didn't pay it. They call themselves XXXXXXXX XXXX  XXXX on the voicemail. This is a scam. 
They are saying that the settlement is XXXX. They called her on XX/XX/year>. They sent me an email with the header " Goldman Asset Services '' that says what I owed as well on XX/XX/year> It says their address is GOLDMAN ASSET SERVICES , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company promised me that if I paid off a debt that my score would increase by at least XXXX points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no XXXX could send me paperwork no XXXX could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least XXXX points I watched a man get XXXX XXXX XXXX XXXX XXXX XXXX I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the XXXX points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last XXXX  years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the XXXX year that I've been doing this with you guys so I'm tired of checking for typos for you
Product: Checking or savings account

For over 15 years, I have been a TD Bank customer, the past 9 years I have been living and working in XXXX, GA. Prior to that I had a visited branches in NJ, NY and ME. 
For the past 5 years, I have only used TD Bank online and have not been into a TD Branch as there wasnt a branch even remotely close to my Georgia address. 

In XX/XX/XXXX, I moved abroad ( XXXX, XXXX ) with my Company, and received a new mobile number and am now at my new address. 

I am experiencing the following issues : - The online system does not recognize the computer Im logging in from, and requires a text with a code be sent to my disconnected cell phone number in order to authenticate the login credentials ( user ID and Password ) that Ive been using continuously these past years. As Im unable to validate my credentials using my old cell number, TD Bank will not allow me to log into my account. 
- When I call the Customer Service Center I am asked to provide my Branch Password, it has been explained to me that this is the password I use at the branch I go to, I explain that I havent been to a branch in years and am told that the only way I can unlock my account, change my phone numbers, update my address or really accomplish anything is by going to a branch. I have escalated this up to a supervisor multiple times and am told different things each time, but it always ends with I have to go to a branch. 

Since XX/XX/XXXX, TD Bank has locked me out of my accounts, with no way to regain access other than to visit a branch on the XXXX XXXX of the United States. 

I dont plan to travel back to the United States until the Summer of XXXX, even then I will only be on the XXXX XXXX without access to a branch. 

Please provide instruction/direction on how to regain access to my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or OneMain. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.
Product: Credit reporting or other personal consumer reports

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXX Bank associated with XXXX for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Mortgage

XX/XX/XXXX Hazard Insurance was paid to XXXX {$860.00} that was not even due yet until XXXX. I told CitizensOne Bank which is a branch of Citizens Bank that they wrongly paid XXXX. They told me it would get fixed. No refund yet then On XX/XX/XXXX They paid Hazard Insurance again {$750.00}. Then I get a letter stating that I owed them back for some kind of repay on escrow advance plus my mortgage would go up {$100.00} if I did not pay roughly {$1200.00}. to fix it. I called and complained. Come to find out they payed someone else account at XXXX. I would have had to wait until my insurance company to return the money before they credit {$860.00} back into escrow. I went ahead and pulled out of my savings to correct the mistakes they made. XXXX XXXX, XXXX CitizensOne paid hazard again to XXXX {$690.00} they paid someone else account again. I called and made another complaint as to why they keep paying XXXX. I called XXXX and they said they had no such payment. I kept calling Citizens to fix it and got on a conference call. XXXX recorded conversation and Citizens said that it was their mistake and that the payment would be canceled. XXXX XXXX, XXXX CitizensOne paid XXXX Hazard Insurance again {$750.00}. XXXX said they can not give money back because it i not in my account to give back. Every time i make my Monthly payment my escrow stays {$0.00}. It goes to a repay of escrow advance. Now I got back {$750.00} but they still have not given me back {$690.00} and if any fees for some kind of repay in advance there is none given back either. This whole account needs to be looked at because there is no telling where else they hurt me. I am afraid of any foreclosure due to no money in escrow. I should have plenty by now. I have given them a lot of time to fix and yet still no fix. The one that was suppose to look into this is XXXX XXXX office chairman at CitiznesOne. Clearly I have been done wrong
Product: Debt collection

On XX/XX/24, I contacted Spring Oaks Financial to request a settlement for deletion agreement. I alerted them that this was on my credit and prevented me from acquiring a rental apartment or a place to live. After they passed me off to about 3 people they agreed to settle the debt which was for two accounts, the first was for reference number XXXX had a balance of {$1000.00}. and they agreed to settle it for {$590.00}. The second reference number is XXXX, the balance on this account was XXXX and the settlement amount was to be {$930.00}. 

Before ending the call with the manager, I was told that there was a portal I could log into to set up arrangements and or pay on the account ( s ). The debts were to be set in that payment portal for XX/XX/XXXX, and the settlement amounts were to be updated to reflect the amounts agreed upon. Therefore I logged into the portal to input my bank routing number and account number so that the payments would come out on the XXXX which was the date agreed upon by the agency and me. 

Upon putting the information in and finalizing the arrangement, I noticed that the agreed-upon amounts were not added as I was told. One of the dates was for the XXXX and the other was for the XXXX. The following day I contacted the company and let them know that I was going place a stop payment on the account that was going to go out on the XXXX. I also requested that the settlement amounts be added to the agreement as well as to the payment portal. My reasoning is, that if the agreed-upon amounts were not shown they can still say that I have a balance. 
As I was speaking with the representative she told me that they could not put the agreed-upon amount on the documents.
Product: Mortgage

Again I do not have {$100000.00}. It sure looks like they are looking to forclose to. Now because this has dragged out so long and banks have all but distroyed my credit no other bank will touch me. My next plan is to sue all these banks and see how that comes out. This has been a nightmare for about 3 years, needless to say what it has done to both our health not knowing if we will have a home in the morning. I need some help please!!!! Four banks with the same results where is all the help all these politicians talk about. My name is XXXX, Conn. XXXX, XXXX It may be a nightmare reading this but living it was worse.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Compromise of Personal Information in XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint concerning the compromise of my personal information during the XXXX data breach, which occurred between XXXX and XX/XX/year> and was publicly disclosed on XX/XX/year>. 
XXXX As a result of this breach, my sensitive personal dataincluding my name, address, Social Security number, date of birth, and driver 's license numberwas exposed. 
XXXX XXXX Since the breach, I have experienced significant damages, including : XXXX XXXX  accounts : Chime Bank compromised and {$10000.00} missing out of account. Chime did not protect me at all. After submitting all necessary paperwork required for a liable claim. They continue to deny due to the unauthorized use of my complete and entire credit file info was used to make these transactions. Due to Breach. 

Credit Damage : Unauthorized accounts have been opened in my name, adversely affecting my credit score. Despite my efforts to dispute these inaccuracies, my creditworthiness remains compromised. 
Emotional Distress : The ongoing threat of identity theft has caused me considerable anxiety and stress, impacting my daily life and well-being. 
Financial Losses : I have incurred expenses for credit monitoring services and identity theft protection to safeguard my personal information. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the negligence exhibited by XXXX in protecting consumer data. I also seek guidance on any further steps I can take to mitigate the impact of this breach on my personal and financial well-being. 

Thank you for your attention to this serious matter. I look forward to your prompt response
Product: Credit card or prepaid card

On the letter dated XX/XX/2021, American Express stated that " However, we are not able to locate the two calls you referenced in which you requested a Card replacement. '' The statement indicated that American Express did not mail out any card until XX/XX/2021, one month after opening the account. And American Express did not have the tracking number of any prior shipments. So American Express deprived me of one whole month from completing the bonus requirements.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any incorrect account from my credit report. Could you examine the documents? An account have errors in their reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with equifax for incorrect collections on my name. I can not seen to get a answer for my results. I have had no luck contacting them on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX Account XXXX : XXXX The notation of the late payments is inaccurate. 

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 also states consumer reporting agency can not furnish an account with my written concern.

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.

The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received your reply because you have been unable to verify this information. Please update these late payment for XX/XX/2022 and XX/XX/2022 to PAANL ( Paid as agreed, never late ) at once.
Product: Credit reporting or other personal consumer reports

XXXX  ( XXXX ) contacted me again about XXXX  me a payment for a settlement. this is criminal fraud and treason, which is punishable by death. do not contact me again. send further communications here : XXXX XXXX XXXX
Product: Student loan

Balance on Mohela and fedloan.gov both shows XXXX. My credit report still has the full amounts.
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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting my personal non-public information to the credit reporting agencies in violation with Federal and State laws detailed below : Based on 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA and Texas Penal Code, Title 7, Chapter 32, Section 32.51, Capital One has committed Identity Theft against me by reporting my private non-public and personal information to consumer reporting agencies without my consent or any lawful authority. 

15 USC 6802 ( e ) ( 6 ) of the Gramm-Leach-Bliley Act confirms that financial institutions may only share information to consumer reporting agencies in accordance with the FCRA.

15 USC 1681 ( d ) ( 2 ) ( i ) of the FCRA regulates what can be included in a consumer 's report and it confirms that transactions and experiences are to be EXCLUDED.
Product: Bank account or service

I have been a member of Regions bank 20 plus years. I have spoken well of this bank and encouraged others to join. On XXXX XXXX 2015, my checking account was debited for XXXX. Again on XXXX XXXX XXXX. My father 's name is on my account, because his checking account was 30 days overdrawn, Regions assumed I wanted to be responsible for his debit. Regions did not RESPECT me enough, to notify me in a timely manner, the decision they were making on my behalf. I have over draft protection. Payment was needed to pay on the balance. Regions notified my father through mail. My father contact me. Payment was made, and I continue to make payments on MY debit. Regions SHOULD have shown me the same respect, when it came to my father 's account!!! Regions refuse to refund the total amount citing policy. " When someone has an account with another person, and their account is in collections, we reserve the right to get the funds. '' This is an UnFAIR policy. Making one adult be responsible for another adult 's bad money management. I feel this policy needs to be changed. I am owed RESPECT for being a loyal customer. If this is how Regions treat their loyal customers, I feel it is time to part ways. Word of mouth goes a long way!!!
Product: Debt collection

I have attempted to dispute the debt of {$440.00} as it appears on my credit report ( s ) by sending a debt validation letter via certified mail in XXXX XXXX. The collection agency, TransWorld, Inc., responded by sending an itemized statement of services. I am bothered by this as this does not prove the debt belongs to me. My signature was not present on the document and this statement did not prove validation or ownership of the alleged account. It is also a violation of HIPAA laws as the aforementioned document disclosed PHI without a signed consent to release information. This is an illegal and reprehensible way to conduct business. If this dispute is not resoled, I may be forced to take legal action against TransWorld, Inc.