23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I just graduated XXXX XXXXXXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX  counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter was sent to Chase Cardmember Services, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with XXXX ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither Chase nor XXXX have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted Chase bank by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.
Product: Student loan

I started attending XXXX in XXXX, XXXX for grad school. I never completed the first semester due to the administration office accusing me of plagiarism. They were terminating me from the program with a letter of termination. I was devastated because I assured them that it was untrue. I received the dismissal letter on XX/XX/scrub>XXXX XXXX XXXX and on XXXX XXXX XXXX  it was recanted. It was a glitch in their system so now they reinstated me. I was humiliated, discouraged, mentally dismayed, my dignity, my pride, my integrity insulted and several other things. You want me to continue in your program as if nothing happened. I felt away as anyone would and discontinued with the program. Now, they charged me the full semester ( or ) semesters charges for their XXXX program which i feel I should not be liable for due to their false accusations. I believe that they should have investigated first and had their facts straight. Instead they shook my world with that devastating blow and I never returned to any college due to that situation. I have proof of this incident with both letters if needed. I thank you for your time and cooperation in this matter. P.S. if you are wondering why bring it up after all these years? I tried and ran into blocks, I really didn't know where to go. I'm unsure if you guys can help but what do I have to loss. Praying that you guys can help or send me to where I can receive help in this matter. Thank you again.
Product: Checking or savings account

On XX/XX/year> Bank of America withdrew funds of {$700.00} from my personal checking account to pay a balance on a business credit card account of which I am actually the grantor, not guarantor. I went personally into the branch, but was not given any useful assistance on the matter. 

I want the funds returned and for the bank to agree to never debit my account again regarding this issue. 

I also want the contact info so that I may submit my Power of Attorney to take full control of all accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requiring to remove wrong account XXXX/XXXX from my credit report. I have no idea why this account showed up on credit report, because I never applied for this credit card and never received any credit card. Please investigate this problem and remove this account as soon as you can. I recently contacted XXXX XXXX and they does not have any information about transactions. I do not want that account which do not belong to me being in my credit report.
Product: Credit card

Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Company Name : Best Buy CitiBank Account Number : XXXX Issue : On XX/XX/XXXX, I noticed an unauthorized charge of {$100.00} three times on my credit card statement from Best Buy CitiBank. I called customer service on XX/XX/XXXX, to report the issue. The representative assured me the charge would be investigated and removed within XXXX business days. We even had my address on my account changed to my parent 's address in XXXX XXXX. However, as of XX/XX/XXXX, the charge remains on my account, and has accrued interest. I wasn't mad aware of the fact that on XX/XX/XXXX they sent me a message on their own internal messaging system on their account management website XXXX XXXX XXXX XXXX XXXX that the investigation was closed and that was due to the fact that I hadn't given them enough details on when the charges were made. this was stated despite me having told them 3 times over the phone before the XXXX of XXXX, XXXX the details of where and when the charges were made by my own investigation into my account 's transaction history ( attached below in documentation ). I was not emailed, called, or snail-mailed as of or since XX/XX/XXXX telling me that the investigation was closed and that I was to pay for charges made on my account without my consent.
Product: Debt collection

In XXXX, 2009 a friend used my banking information and charged amounts to her cell phone. The charges called an accrual of overdrafts and fees in my banking account. The matter was reported to law enforcement as soon as it was realized. Reports from each agency were turned over to the bank. Reports include the name and address of the party that committed the act. The account was turned over to collections. The agency has been notified multiple times by phone and mail that this account was the result of a crime that was committed. I am mailing ANOTHER copy of all reports via a traceable method to verify that the collection agency receives the information as well as to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account with a balance of {$67.00} ; XXXX  account with a balance of {$52.00} ; Affirm account with a balance of {$68.00} ; XXXX account with a balance of {$67.00} ; XXXX Affirm accounts that are paid and closed ; XXXX XXXXXXXX account with a balance of {$1500.00} ; and the XXXX XXXX credit card. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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

TransUnion, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX are reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX, LLC- XX/XX/2022 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX OPEN Balance {$750.00}. 
Acct Status : OPEN. XX/XX/2022 Remarks : Placed for collection. ( solely based on the comment, the account has not been classified and should be deleted ). According to FCRA Law an account can not be reporting Open and In Collection at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX. We have disputed the account.
Product: Credit card or prepaid card

I made my payment on time using the Bank of America phone pay system. 

I entered the correct bank information routing and account numbers. 

There was a problem with the account number when Bank of America presented the payment to my bank XXXX. There were to many zeros ( XXXX ) in the bank account number therefore payment was returned. 

I was never notified by either Bank of America ( credit card ) or XXXX ( payment bank ) Bank of America reported this payment 30 days late.
Product: Credit reporting or other personal consumer reports

I was XXXX  and XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying one from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work 50-60 a week. Can you please help me resolve this it has been going on to long.
Product: Mortgage

I responded to a marketing message from PennyMac and inquired about a refinance. I received a quote from XXXX XXXX and advised him that I will continue to shop around. I ended up finding a better deal and informed XXXX and PennyMac customer Service that I will not be moving forward with them. I heard no response from XXXX since, today I received a package in the mail that was sent to my address and had my home on the loan documents. However, there was PII data from another PennyMac consumer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX closed accounts. A credit card with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXXXXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX opened XXXX XXXX. It was also noticed that the addresses and names on the account also invalid and not recognized. Everything questioned is listed as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, soft or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Told me I had a simple loan qnd it was charging me 7.47 percent a day on this loan but when I got the loan it was 20 percent.every month they take XXXX dollars out of the XXXX I pay on the loan .so the loan isn't going down it goes right pack up every month.i paid over XXXX dollars on this loan .they have only taken XXXX dollars of the balance. This company is GENERAL MOTORS
Product: Checking or savings account

Bank of the west locked my account without prior notice. Hope that they can unlock my account.
Product: Debt collection

On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that Jefferson Capital Systems will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against JCS for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. 4. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from JCS 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by XXXX XXXX XXXX, XXXX. He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or JCS verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with XXXX XXXX XXXX, XXXX. 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) On XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, JCS had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that JCS believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account manager, to discuss a resolution that would be satisfactory to both parties. 

To date, JCS has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, JCS is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the XXXX was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Dept of XXXX Acct # XXXXXXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I took out numerous loans for XXXX school from XX/XX/XXXX to XX/XX/XXXX. This is in addition for loans for my XXXX and XXXX education. XXXX of the loans that was taken out for XXXX school was from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, 1st Associates became the servicer of this loan. I received only an e-mail notifying me of this transfer, with no hard copies or attached documents. I completed forbearance paperwork while completing my fellowship, but the loan came into repayment in XX/XX/XXXX. I made a request to go to interest only payments in XX/XX/XXXX, and I was told I would be mailed the paperwork to complete this request. It never arrived, and I continued to pay my bill. I then noted that my interest rate was rising quickly, now 9.22 %. I decided to transfer the loan to a more reputable company who requested my master promissory note. I called 1st Associates to request this document, but instead got a letter in the mail stating, " Unfortunately, due to administrative error, we do not have a copy of your original agreement. Original contract terms are digitally uploaded into fields of our servicing database at account onboarding, guaranteeing a permanent record of the account details. '' This statement seems to contradict itself ensure presence of a document that they can not provide. I called again to request the documents and was told a request had to be sent through " Upper Management. '' I tried to find any contact information for XXXX XXXX ( which I think stands for XXXX XXXX ), but only find links to legal aid related to this company. I fear this may be a fraudulent company and am requesting help ensuring this is a legitimate lender before I continue to make payments.
Product: Money transfer, virtual currency, or money service

On XX/XX/18, i applied and was approved for a Cash app prepaid card. Since i am XXXX i do not have a steady income or bank account to receive, transfer funds. My wife and son who both have Cash app felt this would be a good option for me so whenever i need money they can transfer From their accounts to my cash app card. I had no issues whatsoever, until a few days when my son tried to send me XXXX XXXX   for dinner. He let reviving a message stating the transaction failed. At this point i had already had XXXX XXXX in my account from transactions from my wife. I emailed cash app who said due to fraudulent activity my card was closed. I am beyond angry as i did nothing wrong. My son and wife both work and anything sent to me or transferred was monies from their account ya only. The strange thing is their accounts are still open so where was the fraud. I sent a message to XXXX today and received another email with no explanation but that my account is closed. I have XXXX XXXXs int he account and i would like my money either sent back to my wife or to myself.
Product: Credit reporting or other personal consumer reports

update the late payment to My account with XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports paid as agreed
Product: Credit reporting or other personal consumer reports

Per FCRA, as a federally protected consumer, I exercise my right to opt out of any and all authorization, I the consumer may have given XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), Experian, XXXX, XXXX, all other credit reporting agencies whether written, unwritten, verbal, and non verbal for the following account : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX All pursuant to 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. 
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent.
Product: Debt collection

A XXXX XXXX ACCOUNT # XXXX Is still reporting against me with the full balance on my credit report after they've sent me a 1099 to count it as income on my taxes. I've paid the debt with the Irs and they've collected their losses.I have tried to contact XXXX XXXX on many times and was ignored. I've disputed the account with the bureaus and sent proof and was ignored. They only sent back letters that said we received a suspicious request or verified. If someone was actually doing their job This account would've been removed.