23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2015, I received an alert on my bank account that XXXX amounts had been deducted from my account. After calling Chase bank and finding out that they could not assist me over the phone, I visited a Chase bank. I spoke to a banker and explained that I had seen curious charges on my account and wanted to know why the amounts of {$620.00} and {$710.00} had been deducted from my account. As you can see from the documentation, checks were deposited twice. But, not by me. An individual somehow obtained checks from my home, after I had deposited them into my own account, and deposited them into their own personal accounts, XXXX Chase and XXXX XXXX XXXX, roughly 11 months after the checks were issued. Both XXXX XXXX and Chase Bank accepted checks that did not match the name of the account they were deposited into, had my signature on them, and were nearly a year old, which should have voided them to begin with. This money never should have been taken out of my account and is check fraud, theft, and the checks should have been flagged by the banks as stolen and voided because of the time frame. Chase Bank even found records of where the checks were deposited into- they know who the accounts belong to, per the records that were provided to me at Chase bank, please see attached documents. Chase would not help me get the money back and would not correct their error in depositing a check into another customers Chase account, and neither would XXXX XXXX I do not and never have had a XXXX XXXX account, so this was obviously theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting

Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to me.
Product: Debt collection

This company continually texts me.. daily.. even after I have asked for them to stop. I have responded and asked them to verify the debt.. they have not. I have never had an account with XXXX and they continually text me, call me etc trying to collect. I have blocked numbers only to be contacted through a new number. It is endless and it is annoying. It interrupts my work day and I just want it to end.
Product: Student loan

XXXX to present..Wells Fargo, we had a Private loan with XXXX for {$15000.00} that {$15000.00} went to {$18000.00} Wells Fargo says we have another loan transferred from somewhere else for {$10000.00} which turned out to be {$13000.00} we have been paying on this loan for 8 years now and it is still {$25000.00} I want to know what gives the right to sell my loan with the accrued interest rate also? And then where did the {$10000.00} loan go to, where did it come from? I have check all my bank statements and the only one I can see accounted for is the {$15000.00} loan that was transferred from XXXX. I have another Private Loan through XXXX now, which was XXXX XXXX and it is for {$10000.00} that was suppose to come from XXXX. I called and asked my School for a report of all the loans that were taken out to go to this school and the lady was a XXXX XXXX. and told me to go to XXXX, they only report what they are told through all these companies. And their report is something totally different, than what is being reported through these loan companies. And then I have a subsidized loans that I believe XXXX has charged me their {$22000.00} that I had borrowed back in XXXX for XXXX XXXX University, and now I have another {$27000.00} loan, all my loans were with XXXX and they sold all my loans to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and who knows what else. But they all go bundle together X2, I am no accountant, by my student loans went from {$22.00}, XXXX in XXXX to {$89000.00} at the end of XXXX At which XXXX also took out a {$4000.00} loan in XXXX of XXXX and I wasn't attending school since XX/XX/XXXX, due to failing and then they wouldn't let me back into school, I was deafly sick and eventually ended up having XXXX, but because I had dropped the program 2 times I wasn't allowed to go back to school. I have a statement from XXXX showing that I had only borrowed total amount {$16000.00} - $ XXXX does not equal out to {$89000.00} I have called all these companies and not one of them can send me a signature copy or contract of any of these loans, with the exception of the {$22000.00} ad {$15000.00}
Product: Credit reporting

Equifax has repeatedly denied me my credit report after I specifically requested it after I was turned down by creditors. These same creditors that I complained about submitting several inquiries from XXXX application for credit. Equifax is the most difficult to obtain any information from, the most inaccurate and should not be allowed to remain in business. Any other organization with their track record would not be. Why do they get special treatment? They continually disobey the credit laws without any recourse or action. If yours is not the agency for the job, then which is? It does no good to complain if they know nothing is going to be done. Their system of providing and correcting information from the consumer side needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to a Public record US BANKRUPTCY COURT CASE # XXXX TRANSUNION DID NOT PROPERLY INVESTIGATE THIS INACCURATE FILING.. ENCLOSED IS A LETTER FROM XXXX XXXX STATING THIS IS INACCURATE AND NOT REPORTING.. BUT TRANSUNION CONTINUE REPORT INACCURATE INFORMATION.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and someone fraudulently opened a credit card account with XXXX XXXX in my name. Account # XXXX opened in XX/XX/2022 2022
Product: Debt or credit management

Creditor repeatedly calls cell phone back to back but will not provide information related to debt. They have left aggressive and abusive voicemails. They mention that they are contracted by the county and have my home and work locations and will come to where I am. There is no real solution or information provided only threatening phone calls.
Product: Credit reporting or other personal consumer reports

Bank of America XXXX Gave stranger thief a credit card under my social security number for XXXX and even increased recently to XXXX. They are not doing anything about my complaints, identity theft filed, phone calls, emails, nothing to help me.
Product: Mortgage

In XXXX, I obtained equity line of credit from Bank of America for {$25000.00} was used out of {$68000.00} approved- XXXX XXXX XXXX XXXX Philadelphia XXXX  and second equity line of credit was granted to XXXX  XXXX XXXX XXXX XXXX XXXX a balance of of about $ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX but it was not transferred. 
On the first equity line of credit I made payments from XXXX to XXXX when I filed chapter XXXX bankruptcy in attempt to redeem a another property the city of XXXX staffs fraudulently sold. In XXXX, Bank of America without notification transferred the equity line of credit with a balance of about {$25000.00} to XXXX XXXX and sold it to investor simultaneously. Still on bankruptcy, there was no monthly statement received requesting for payments because of the active bankruptcy. In XXXX, my attempt to redeem the property that the city of XXXX staff sold failed. I then requested for voluntary dismissal of the Bankruptcy application. Shortly the investorXXXX XXXX XXXX, not in its individual capacity but solely as trustee for the XXXX XXXX, XXXX XXXX filed a foreclosure action and obtained a judgment on pleading in the amount of about {$43000.00} around XX/XX/XXXX. I communicated with XXXX XXXX to pay off the equity line amount. Suddenly, I began to receive communications from XXXX XXXX XXXX XXXX threateningly to foreclose. XXXX Bank of America is responsible for the excessive changes I am currently subjected to. Bank of America staffs connived with the investor occupying the Building at XXXX XXXX build to defraud my chance to survive. The action of Bank of America was unfair knowing that I was in active chapter XXXX bankruptcy. Consequently, equity line of credit of {$25000.00} is now causing a demand of payment of about {$64000.00}. 
Bank of America N.A. Fraudulently changed the name on the title without my consent. The equity line of credit was obtained as XXXX XXXX XXXX & XXXX XXXX and the deed was prepared in the same names. Recently, I noticed that the name change and new deed appears on record. I am not sure how the law permits Bank of America to change the name on the deed Without my consent.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Wells Fargo, N.A. 
>Late payments on accounts with other creditors >Too many inquiries or applications for credit The information is not only inaccurate, but has no legally-valid basis for consideration in making a credit approval decision. Under 15 U.S. Code 1681, Wells Fargo, N.A. has engaged in adverse action by unlawfully denying me access to a line of credit. A letter detailing these violations has been mailed to Wells Fargo, N.A. Underwriter on XX/XX/2023 to correct these errors.
Product: Debt collection

I have never been to this XXXX or been seen by any of the XXXX in this office - XXXX ' they refuse to present any documentation showing I have ever been to this XXXX office
Product: Debt collection

Im not liable for this debt with Consumer adjustment Co, I do not have a contract with Consumer Adjustment Co. They did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Credit reporting or other personal consumer reports

According to 605B, this account should be removed promptly. I'm quite angry that it's on my credit report, even though it's not my account. Its presence has upset me, and I feel unwell because of this situation.
Product: Debt collection

I get some accounts with Paylance reported under my name who does n't belong to me, I already filed up an Identity thief victim report and request all this account with this company to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this credit card thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need the bureaus to take this complaint seriously and delete the fraudulent item from my credit report.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance XXXX {$480.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Respond! I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

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

Equifax froze my credit report without my permission and as a result I have had to deal with a nightmare domino effect while I am traveling overseas. I cant log in to the website and when I call, the questions asked to verify my identity leave out pertinent info so I am unable to answer them. For example, XXXX question starts with the above referenced account and then asks about the account. But doesnt tell me what account they are asking about? There is no above on a phone call! Its as if the questions were pulled verbatim from the website. Again, the website doesnt let me log in. Tells me to call. And the phone wont put me through to a human. This is happening to a lot of people, Ive seen this problem all over the blogs. Why is nothing being done?? They are holding our credit reports XXXX and there is nothing we can do about it.
Product: Debt collection

I received communication from Bay Area Credit Services/XXXX that I owe XXXX for a debt that has been reported previously by 3 different agencies on XX/XX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XX/XX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.
Product: Credit card

Well my first state and I only had this card a short time it is closed now because of the issues that is bad bad customer service If my first two payments were messed up. O really did not need this card in the first place. I will pay a small balance but just want to be done with it cut up and thrown in trash where it belongs
Product: Debt collection

Dear CFPB, I am submitting a complaint against XXXX XXXX XXXX. Back in 2014, I had a phone account with XXXX. Last year, XXXX informed me that my account has been sent to XXXX XXXX XXXX. I was not provided written notice of this debt at all in 3 years. According to Florida Law, I was supposed to be provided with written notice of the debt. The company has not contacted me in almost 3 years since then, and the information was reported negatively on my credit report.
Product: Debt collection

We continue to receive collection calls for a XXXX XXXX XXXX at our telephone number. We have had this phone number for 4.5 years. We have informed Sunrise Credit Services XXXX NY that this is not XXXX XXXX 's number. Each representative assures us that we will non longer receive phone calls and that our telephone number will be removed from XXXX XXXX XXXX 's files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT MY INFORMATION WAS USED WITHOUT MY CONSENT AND NOW I HAVE THE FOLLOWING ITEMS ON MY CREDIT REPORT AS A RESULT 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 Delete also the Following Inquiries 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 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
Product: Student loan

I have had a student loan since XX/XX/XXXX. I have had all forebarnaces hat are possible and in XX/XX/XXXX went on a income based repayment plan that was supposed to help me. I called to ask about my student loan payments and come to find out my income based plan that was supposed to help me was more than my regular payment and for more months than it would originally be for. The payment they have me on is {$190.00} and is supposed to be for 39 more months then go to {$140.00} for 69 months for a total of 108 more months. The original level payment plan is {$150.00} and would pay off in 98 more months. That means will their helpful income based plan I would pay {$17000.00} but if i am on the regular level payment plan I would only pay {$14000.00} from today Navient has taken advantage of me and I would like to report it and join any class action lawsuit that is available.
Product: Checking or savings account

On XX/XX/year> I opened a bank account with First Horizon bank responding to a direct mail offer for {$450.00} if I completed 10 transactions per month and had an average daily balance of $ XXXX. I completed both criteria on XX/XX/year>. 

Despite many attempts to contact them nothing has been resolved. Attached is chat log from their employee acknowledging I met criteria but not crediting the money. When I called in the agent said I needed to go in a branch but they would 'investigate '. 

This has been an unfair and deceptive marketing practice. I did what was required of me, but have not received the bonus and first horizon continues to ask me to contact them and deflect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.