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

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. 
For following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I began using the Albert app around XXXX. This app helped me save money as it would pull directly from my bank account periodically. When I began to make more money, I did not find this app to be as useful to me anymore and they also started charging outrageous monthly fees. I disconnected my bank from the app. Then I get an email in XX/XX/XXXX that I am being charged a {$72.00} annual fee. This is for an app that I am not using so I reached out to dispute and disputed this with my credit card because they wouldn't not charge me and said they could switch the payments to monthly if I'd prefer ( this email exchange began on XX/XX/XXXX ). I wasn't going to pay for an app that I was not using. Then this morning, on XX/XX/XXXX, I get an email that I am going to be charged {$14.00} from here on out for a monthly fee ( and the first charge was going to hit today! ). I went into the account and tried to deactivate my account, but it said that needed to be done on email or in the app. I had already tried the email route which was unsuccessful so I tried logging into the app. It tells me I need to reconnect my bank or another bank before I can do anything with the account. This is such a scam. Reconnect my bank so you can charge me for an app i'm not using and an account I'm only trying to log in to deactivate? 

I have reached out, once again, to support via email and am awaiting a response.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes requesting to remove negative items and provided proof, however, the documents were ignored and items remained on report. 

Equifax ( XXXX ) Incorrect reporting for derogatory marks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XXXX ) Incorrect Reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian ( XXXX ) Incorrect reporting : XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I notified the companies of the inaccuracy. After being notified of my credit score in XXXX, I again notified the companies of the inaccurate accounts, it is still reporting as of XXXX XXXX.
Product: Debt collection

Information was sold to a 3rd party company without my knowledge. Personal information sold and now my credit has been hacked with numerous of companies. 

Central Portfolio control- {$1800.00} is balance.
Product: Credit reporting or other personal consumer reports

My loan provider at the time, Navient, assured me that it would help me find the best repayment options for my loans and promised that they would get me on a plan that could reduce my payments to as low as {$0.00} per month and help to forgive of any remaining balance after 20-25 years of qualifying payments. They defrauded me! 

When my loan was sold, I called my current provider XXXX and they told me that Navient tried calling me several times during the time period that I was 'supposed ' to be late, however, I did not answer those calls, thinking that they were spam calls because Navient had already told me that my loans were in good status and that I didn't have to worry about anything else moving forward. 

Navient has already been sued for widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.
Product: Student loan

On XXXX, I was notified by XXXX  XXXX that " There was a change in the payment status of XXXX of your accounts, '' which upon reading I went into the XXXX  XXXX Mobile app and went to the " See Details '' section of XXXX, the free credit monitoring feature attached to my credit card account. I discovered that my credit score was decreased by XXXX points. I went to the Alerts section and saw that AesXXXX XXXXeported my student loan account as delinquent on XX/XX/XXXX to XXXX. On that day, XX/XX/XXXX, Aes/XXXX XXXX XXXX reported my student loan account as delinquent to XXXX. This was due to a payment of {$14.00} that was past due from XX/XX/XXXX. I also had another payment of {$13.00} that was due on XX/XX/XXXX. 

Immediately upon realizing this amount was overdue, I looked at any efforts to notify me of this account going delinquent before it did so. I knew that I have never been more than a couple days late with payments in the entire history of the loan ( since XX/XX/XXXX ). 

Upon checking my inbox in the Aes website, I discovered XXXX reminder on XX/XX/XXXX about the aforementioned interest that was due and overdue. I discovered that on XX/XX/XXXX, I was also sent Paper mail regarding my student loan account being overdue for a payment. I looked through my file, and learned that it still had my old home address. However, I had a forward active with XXXX since XX/XX/XXXX so that I would still receive my mail regardless of the address on other accounts, and since I check my mailbox every week, I would have seen a letter from Aes, which I had not. 

I immediately paid the entire balance of {$27.00} that was due, and even paid the interest of {$14.00} that was posted the day after. 

On XX/XX/XXXX, I discovered another letter that was actually sent to my previous address from the XXXX XXXX, XXXX that states that this delinquent account was submitted to them, a DEBT COLLECTOR, wherein the letter it states, " As of the date of this letter [ XX/XX/XXXX ], you owe {$0.00}. '' In addition to reporting my account delinquent, Aes submitted my information to a debt collector for what it seems like no reason at all, and yet, it significantly decreased my credit score ( and has not improved since I made the payments due ).
Product: Student loan

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a serious breach of my personal and financial information, which has directly impacted my federal student loan. At the beginning of XXXX, XXXX XXXX accessed data systems containing sensitive personal, financial, and educational records, including my student loan information, without my authorization. This unauthorized access is a clear violation of multiple federal laws designed to protect my privacy, including : The Privacy Act of 1974, which limits the disclosure of personal records held by federal agencies without consent. 
The Family Educational Rights and Privacy Act ( FERPA ), which mandates the confidentiality and security of student records.

The Higher Education Act, which includes protections for the integrity and security of federal student loan information.

The Internal Revenue Code, which safeguards taxpayer information from unauthorized disclosure. 
As a result of this egregious breach, my private financial and educational data have been exposed, and it is impossible to determine whether my student loan records have been manipulated or altered in any way. This constitutes a fundamental breach of contract, rendering the terms of my student loan agreement unenforceable. 

I have formally requested that my loan servicer discharge my student loan in full due to this violation, as well as waive any interest or penalties accrued during the investigation of this matter. However, I am filing this complaint because I seek immediate intervention from the CFPB to ensure that my rights as a borrower are upheld and that my student loan servicer takes the necessary corrective action. 

I request that the CFPB investigate this matter and hold the responsible parties accountable for failing to protect my private information. Additionally, I seek confirmation that my student loan servicer will honor my request for full loan discharge and provide a resolution within a reasonable timeframe. 

I appreciate your prompt attention to this urgent matter. Please confirm receipt of this complaint and provide any next steps for resolution.
Product: Vehicle loan or lease

I was late on 1 payment. I made the payment .Ally came and took the car I stated I was up to date the payment was made .The driver said when Ally sent him the payment was still due. The driver removed the car. I was then told it was at a locacation where Id have to come up with monies to get the car. So now I was paid up but had to pay money to get the car back that was paid up. I was trying to contact family to help financially since I was on soc sec ) and lost that due to household income which was why I was struggling financially. I would also have to take a bus which was over an hour or so away to the location. ( A XXXX XXXX ) this was in the country. I was told they wouldnt remove the car to another destination. I told them my husband and I got the help and were coming for the car. The lot which Ally had the car put in told me the car was no longer there and sent to another destination further away .I was trying to find the location of the car .Now Id have to take a trip to retrieve the car and find out where it was. They told me the car was going to Auction. The car was XXXX XXXX which was a rip-off deal I was told I could refinance through Ally from the car dealership XXXX in XXXX which was a lie XXXX also took my XXXX only gave me XXXX on it on the paper work and the XXXX disappeared with them not having the title yet. Note I was alone on the car endeavor. My son could not believe what he was hearing! I paid XXXX off on the car when it was ( stolen ) removed .Ally auctioned it for XXXX or so .so it was a year or so old with XXXX XXXX miles and they sold it for XXXX XXXX?? Today years later I got a call they want XXXX or so more. More money because years went by. I still have a key the book and the business deal I was so ripped off and was monotonous given a discount or incentives the paper work was written and the rewritten I was so confused .I put the car back on the lot at XXXX and wanted my XXXX back which I still had the title for to no avail. I need a lawyer. Id like the XXXX I payed into the car. The car was a dangerous unstable car. It shook in the wind ion the highway and the windows whistled. What a nightmare. I feel Ally literally stole the car. I was caught up on my payments when the car was removed!! The driver said Im doing what Ally told me. I complained to Ally about the car the payments and the sale. I was also to I could refinance through Ally who stated they dont due refinance. Why didnt Ally sell the car for what was owed instead of XXXX and change?? I could have sold it for more and paid off the loan. They hooked it to the tow truck and was pulling it on the rear tires. I would not trust the frame after that. They did not put in on the flatbed. ( There was a larger car on that. I need help with this case. Their still hounding me my reputation is damaged. Please can someone get me a lawyer or justice for this case Ally is still sueing me. Years later and the cost is piling up. Im on soc sec again. I dont have the knowledge or money to even start to try to find a lawyer who would take this case planet XXXX XXXX XXXX ny and Ally Financial vs Me. Please help!
Product: Credit reporting or other personal consumer reports

Under XXXX USC XXXXi ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Was notified by credit monitoring service that a collection had been placed on my report, the phone # listed was to a completely different collection company that said they had no idea who I was and DID NOT have an open collection in my name. Upon further investigation and a Google search I found that Commonwealth Financial Systems was the one behind it. I called them and they informed me that it was a debt from 2010 that was purchased by them in an attempt to collect it. The debt in question never belonged to me to begin with and was disputed and deleted as unverifiable several years ago, Commonwealth has changed the amount slightly to make it appear as if its a new debt and placed it on my credit with no prior notice or contact before doing so. After another Goggle search on Commonwealth it appears that they are notorious for illegal and unfair collection tactics.
Product: Mortgage

I submitted a loan modification request on XX/XX/XXXX. I continued to send updated documents to SPS and receive a denial letter based on a submission of XX/XX/XXXX. I asked SPS what happened with my submission of XX/XX/XXXX? Per the representative my request for a modification was not reviewed at all. I asked why? And I was told its because I was denied before for incomplete documents and the trustee sale date is too close now. I told them I submitted my loan modification package on XX/XX/XXXX they had 31 days to review all of my documents and they did nothing with my review. I am XXXX XXXX XXXX, I have been in and out of the hospital, and while hospitalized I completed the loan modification application and sent it from the hospital and they did nothing with my documents for 31 days.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Bankruptcy Case Number : XXXX XXXX  XXXX Account Number : XXXX etc.
Product: Credit reporting

Consumer # XXXXDispute Case ID : XXXXBank Name : XXXX XXXXReference : XXXXXXXXThe situation that happened is that I figured out that information was used to open an account on a financial institition and I contacted them to dispute this deposit accounts. They contacted me and removed me from any liability from those accounts however Early Warning will not remove this inaccuarate negatative reporting from my consumer report. 
I have attached a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on XXXX  occasions in the past XXXX XXXX to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of XXXX of XXXX Requests were ignored by the company since XX/XX/XXXX.
Product: Mortgage

I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage payment. In late XXXX, our daughter fell upon financial struggles with her living expenses and returned back home with our XXXX grandchildren. Our living expenses have increased slightly ; since theyve moved in as I now currently have to care for not only my daughter, but also my grand-children. 

In the beginning of the year ( XXXX ) we fell upon 3 major auto repairs between our two personal vehicles and business vehicle, in which we are currently still paying on ( listed in financial worksheet ). In-between the additional expenses and unexpected auto repairs, my company had a decrease in income/volume from XX/XX/XXXX to XX/XX/XXXX. We had a few clients whom did not renew or return for my business services resulting in a decrease in income. Although we attempted stretch funds amongst all our personal and business expenses, we slowly and surely depleted our funds. 

As of XX/XX/XXXX, my business has since recovered from the lost income and weve been able to sign on additional clients increasing work volume. As we began to recover from the hardship, we attempted to resume payments, however to my surprise I was advised I was unable to make a payment, unless I was able to reinstate the full past due balance amount. 

We are requesting a loan modification or possible repayment plan, as we are now in a better financial situation and we are able to afford our mortgage payment again. At this time, we are requesting assistance on the outstanding/past due delinquency balance in order to help allow us to retain our home and move forward with your financial institution in good faith.
Product: Bank account or service

U.S Bank paid out settlement monies, twice, in regards to a lawsuit. Whenever the monies came due, the bank finalged with my account costing me close to XXXX in overdraft fees. I get SSI, 733 monthly. I called to check my balance and it was good, soon as I used my card the bank withdrew money from a bill from two weeks prior which led to several overdraft fees. The same thing happened with this last settlement payment. This bank is using our money to help pay their settlement judgement.
Product: Checking or savings account

OnXX/XX/2018 I filled out application online with Frost Bank I was approved and added money to the account. The next day I received email that I was not approved for the account. How can they say I was approved and let me deposit money in it then close it? I also transferred {$21000.00} but I'm assuming the account was already closed so I don't know where that money is there customer service has not giving me any information how to get my money back other then you should receive a cashier check I don't want a check I want it back the same way they received it. I received the debit card the other day so I don't understand how they can steel my money.
Product: Checking or savings account

In XX/XX/2023 I received a notice in the mail from Bank of America stating an account was open in my name account number XXXX. This action was erroneous and I immediately called to get this account closed. The representative ensured me that the account was closed. I then proceeded to contact the credit bureaus to freeze my credit report. I also contacted XXXX to freeze my account with them. In XX/XX/2023 I received a notice in the mail from Bank of America along with a debit card stating my account was open XXXX. I attempted a gain to get this account closed. I receive a notice dated XX/XX/2023 stated that Bank of America will close the account ending in XXXX because they cant verify my identity. I have gotten XXXX account statements with this account number for XXXX and XXXX. At this point I do not know what to do. I have not now or ever attempted to open an account with Bank of America. Please help with getting this resolved
Product: Credit reporting or other personal consumer reports

I have been trying to have a late payment reflecting on my credit report corrected for months, I was in deferment from XX/XX/XXXX and the past due payment was reported XX/XX/XXXX, I was advised the credit bureaus would be sent the information as well and any incorrect information will be updated. This is what has happened in the past, I have never ran into such a difficult situation having information reported incorrectly and going in circles with trying to have it corrected. Navient provided me with a copy of my deferment document to send to XXXX  and I did but nothing was corrected. There are other loans that were accurately reported but this specific one has not yet been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have 5 Comenity XXXX cards and have tried for 5 days to try to pay my bills. I cant log in or call the customer service line. It says a plan maintenance is taking longer than usual. I am worried about being charged a late fee on my accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> the amount of {$93.00} was deposited to my XXXX account. The amount of {$43.00} is all that they made available. I've made several attempts to contact XXXX for an answer none of their contact mediums work, including their phones.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not related to me in any way, and I bear no responsibility for them. Their presence has caused significant emotional and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not properly addressed. These inaccurate and fraudulent entries have severely impacted my ability to purchase my dream home and provide for my family 's needs, resulting in substantial harm to my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.