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

Consumer Name : XXXX XXXX XXXX Consumer XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The Credit Reporting XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My XXXX Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The Experian Credit Reporting Agency XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID XXXX Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Debt collection

Husband was sued by Allied collection Services inc. in the judgment amount of {$1200.00} which was taken out of his bank account so the debt was paid in full. My Job Human resources contacted me to inform me my wages would be garnished. My husband has attempted to contact Allied several times to get the issue resolved because my company 's HR rep informed me my wages would be garnished unless they are notified that the debt was satisfied. Today XX/XX/2019 he attempted to call them again and kept getting transferred from person to person. The last gentlemen he spoke to was rude and kept saying that Nevada was a community property state and that's why my check was being garnished. My husband tried explaining to him that the debt was paid in full. The gentleman then stated '' No you still owe {$70.00} '' Even though the court judgment was for {$1200.00}. he then started to badger my husband about another debt he has no knowledge of for {$990.00} and said that he needed to come down and take care of the {$70.00} bill. He also asked for my husbands bank account information. Upset I got on the pone and tried explaining he then begin to badger me asking me about a {$990.00} bill and stating they would not remove the garnishment unless we paid the {$70.00}. He also asked me for my last 4 dgits of my social and my birthday. Getting no where with him I called the attorneys office who handled my case who informed me to call and speak to the manager XXXX of allied and she would be able to assist me on getting this taken care of. I called allied and asked to speak to XXXX I kept getting the run around saying she was busy and she would call me back if she had time. XXXX finally called back and again i was asked for my social info and birthday when I would not provide that information she said she couldn't help me and to call back when I was ready to provide her with my information. This is not my debt so why cant she just take the case number and my husbands information? I contacted my HR who said they received a call stating most of the debt was satisfied except {$70.00} would be garnished from my check. I want to know why and if it is legal for them to do s since the full amount of the debt has been paid. I even went to the justice center website looked up the case and it also stated the balance due as of XX/XX/19 was XXXX {$0.00}
Product: Student loan

I have a private loan now through navient that was previously with XXXX XXXX. My monthly payment to them alone is over {$700.00}. I 've called many times in the past for assistance especially to have my now deceased grandfather that was my co-signer removed from the loan. They wo n't remove him without an original copy of a death certificate which I 'm no longer able to obtain without significant cost to me. I 'm now 2 months behind on my payment and receive daily harassing phone calls from various states and numbers to disquise the calls. I called today for assistance as I 'm eligible for federal help and wanted to try to work with them to reduce my payments. We went through a financial profile that I had guesstimated amounts because it varies from month to month to which they told me I should have {$1000.00} a month left to pay them. So if something were to come up emergently that would leave me with less than {$300.00} to my name for a month. They would not work with me except to put me in forbearance which would cost me {$150.00} which is half of what I currently have to my name until I get paid in a week which would give me time to account for where that {$1000.00} is going. I am a single income household trying to live on my own in need of a new car sooner rather than later and all I received was a condescending tone from both the employee and her supervisor.
Product: Vehicle loan or lease

I tried to pay off our car loan XX/XX/XXXX I sent ally auto loan XXXX in which they refused to give me the payoff amount because I was trying to pay it early. They offered a 3 yr extension due to Covid 19 and the economy was shutting down. We made 2 yrs of payments and was never late before this transaction. I took the extension thinking I had 3 yrs of no payments when they only gave me 30 months instead of 3 yrs. Today XX/XX/XXXX they came and took my only vehicle and told me I had to pay XXXX to get it back. This is fraud and theft! I called all day to ally and was hung up on and told me they cant do anything. This caused a great hardship on our family. I have the emails that was sent to me on the extension and all my payment records. Every time I ask today how much I need they add on XXXX dollars. Whyyyy are consumers not protected anymore? Why are they giving me a run around? I have spent XXXX dollars on a vehicle that is a XXXX and we have had it for 5 yrs now. They waited until I was 5 months behind and I had no clue until they came to get the vehicle. A customer rep from ally told me they would work with us but instead they made my situation worse! Hardship on families is not ok. Lying to customers is not ok. I told them I was recording our phone calls today and they told me that was not allowed and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated by XXXX and XXXX. 15 U.S.C 1681 Section 602 A states I have the right to accuracy and privacy. 15 U.S.C 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX Therefore, please remove this account. I demand you to provide the required verifiable proof of permissible purpose confirming the legal authority to report such information or else complete a full deletion of the entire inaccurate & unverifiable information that is being reported on my XXXX and XXXX credit reports due to non-compliance of the Fair Credit Reporting Act. As of today, there is no physical proof that I knowingly and agreed to authorize anyone working at the companies that I have mentioned above to report such information on my XXXX and XXXX credit reports on these specific dates. I am asking that you make these corrections now to relieve yourself from non-compliance of reporting standards to report the accurate status of certified Metro 2 compliant reporting moreover 100 % provable true, correct, complete, and timely reporting. I am also requesting that the companies above mail me a copy of my signed authorization that gave them the right to view and report information to my credit report within five business days so that I can validate what is being reported. If they can not do so, then they will clearly be violating the Fair Credit Reporting Act which is why I am contacting you to help me with this. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/1987 in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
Product: Checking or savings account

In XXXX  I received a check dated for XXXX XXXX XXXX, to the amount of XXXX from the XXXX XXXX XXXX. I was an employee for the XXXX at that time. I tried to cash the check during early XXXX since I was out of town when the check arrived in the mail. When I tried to cash the check through the mobile deposit app, I got a message saying that the check has already been cashed, even though I hadn't even opened up the check. At that time, I reached out to the bank I attempted to deposit the check into, XXXX XXXX who said that I would need to contact my employer, as it was an issue on their end. When I contacted my employer, they said that there was nothing that they could do on their end, and that I would need to contact their bank, Wells Fargo, to file a Fraud Report. I was provided a copy of my endorsed check to submit with my affidavit of fraud report. I contacted Wells Fargo on numerous occasions to see this matter be sorted out, however, they told me that there was nothing they could do on their end, except have me file the affidavit of fraud report. I filed the affidavit of fraud report (attached). When I was talking to the associates at Wells Fargo, they told me that when they were reviewing the paycheck that I was given, they saw that the XXXX XXXX XXXX had issued a check with the same check number and amount on the same day that my check was issued (XXXX XXXX XXXX).   Furthermore, when I was talking to the associates at Wells Fargo,  they told me that my check was chased during the week of XXXX XXXX; however this couldn't have been me, as I was in XXXXXXXX XXXX  at the time. After filing the affidavit of fraud report, I have tried to follow up with Wells Fargo, but they are being unresponsive since I am not the account owner on the account (The XXXX XXXX XXXX account). This is the point I am at today, I do not know what else to do. My money is being held in this limbo state, and I have been working for the past 5 months to get it back. I am just trying to get my money back.
Product: Debt collection

CIR law offices sued me for a debt incurred by someone who used my credit card. We reached a settlement agreement after I hired an attorney. CIR Law Offices has listed their address as a place where I formerly resided on my credit report. This issue comes up repeatedly and I view it as a form of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are listed in my name with Trans Union, XXXX, and XXXX  : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX University I do not own the above properties, nor have I ever lived at any of the above addresses. I also have never attended XXXX University. Please ask them to remove the addresses, and XXXX University from my credit report, and any monies owed to XXXX or XXXX. As I have asked all three credit bureaus to remove them, but have been unsuccessful for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I finally received a copy of my TransUnion report number # XXXX, dated XX/XX/XXXX. 

I immediately noticed an error that was disputed and removed ( 2 ) years ago, specifically TransUnion has added under reported names : XXXX XXXX XXXX which is not my name nor have I ever used this name. 

Trans Union then would not allow me to dispute this and other inaccurate information contained in my credit report. TransUnion said I had to provide proper identification. 

To obtain said report I sent TransUnion a copy of my social secuirty card, U.S. Passport and XXXX XXXX bill via certified mail which verified my name and address. 

TransUnion refused to send my credit report until I provided this information and after I filed mutiple reports with CFPB to attempt to obtain said reports. 

In addition, I filed several complaints with the CFPB against TransUnion and XXXX XXXX who reported this name in error in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX 's sent TransUnion several letter requesting removal of the name XXXX XXXX XXXX from my file. 

This information was removed and apparently re-inserted without the consumer knowledge in voliation of FCRA. 

Therefore, I am again filing formal charges against both Trans Union and XXXX XXXX for voliation of the FCRA. XXXX 's intentionally created this problem with the credit bureaus in retailation for several complaints I filed with the CFPB against XXXX XXXX.
Product: Bank account or service

Traditional IRA account opened with predecessor bank, XXXX, for a 60 month CD that matured XX/XX/XXXX. Upon maturity of the CD I requested that the proceeds be transferred to a new IRA Custodian. M & T Bank applied a {$75.00} " XXXX '' and deducted this amount from the transfer ( took the money out of my IRA account ). I was never told of this fee, I was never asked if I wanted to pay the fee separately rather than have it deducted from savings, and the original IRA agreement with XXXX made no mention of this egregious fee.
Product: Credit card or prepaid card

TD Bank is lying about a charge. 

I noticed a {$3.00} charge on XX/XX/XXXX from TD Bank that I didn't recognize on my XXXX XXXX account. As TD Bank refused to tell me what the charge was for, I submitted a dispute with XXXX XXXX. I also filed a complaint against TD Bank # XXXX. 

TD is lying - they claim that the charge is a recurring transaction on my credit card that I authorized on XX/XX/XXXX. However, I never authorized such charge. And there have been no other XXXX payments to TD Bank since then. 

They also claim that the amount in question was on XXXX when in fact the transaction per my XXXX XXXX statement was on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In efforts to correct the unjust identity theft/fraud that has happened to me and my family from XXXX to present, I have submitted with the Federal Trade Commission report XXXX XXXX, XXXX, XXXX, TransUnion, XXXX XXXX  XXXX, and XXXX. To date most identity theft/fraud accounts have been removed. However, these are remaining on my reports : XXXX XXXX  - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$3100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX {$20000.00}, XXXX XXXX Inquiries XXXX XXXX, TransUnion XXXX As XXXX is my witness I have never received or benefited from any of the services, goods, credit, and/or funds from the identity theft/fraud committed against me. Whomever is committing this fraud against me is causing great stress and hardship to me and my family. 

Identity theft/fraud happened between XXXX to present ( XX/XX/XXXX ). I filed with Law Enforcement Report, XXXX Police Dept., Incident # XXXX, Case # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, filed on XX/XX/XXXX. 

Upon checking my credit, to see if I qualify for an auto loan, I discovered the following inquiries and several open fraudulent accounts. Credit cards, loan etc. There were also addresses that I am not associated with. Attached to report is a credit report with highlighted fraudulent accounts, inquiries, and balances from all three credit bureaus ( fraudulent accounts listed below ) : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX. 

On XX/XX/XXXX, I submitted an addendum to my original report with XXXX Police Dept., Incident # XXXX, Case # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, for additional inquiries and attempt ( XXXX ) to use my credit. 

Since XX/XX/XXXX, a person ( XXXX ) is still applying for credit in my name without my permission. Today I am submitting new inquiries and new address ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ).
Product: Checking or savings account

I opened a checking account and savings account with this " bank '' in XXXX. In this process I established an verified an " external account '' in case I needed to withdraw any money. Yesterday, I set up an ACH transfer from this bank to my already vetted external account so that I could pay my estimated Federal Tax payment. Today ( one day after I set up the ACH ) someone calls me and tells me I need to send in my drivers license and a copy of account statement for the account to which the ACH would be delivered to. I did that. Next I do what they ask. A few minutes later they tell me that they will not honor my XXXX request as my husband 's name is primary and mine does not appear on the statement. To make matters worse, they removed the money from my account and they tell me that they will not be putting the money back into my account for 5-7 business days. I called XXXX XXXX  XXXX and spoke with a VP. She advised me that there is no requirement whatsoever for the names on an ACH transfer to be identical. So now these bandits have locked up {$25000.00} of my money for 5-7 days while they sit on my money. Another expample. Today I transferred money from savings to checking. The money comes out of my savings but is not put into my checking. Again they sit on your money. This is obviously some sort of gimmick for not paying interest on customer money. These folks ought not to be operating a bank. This is being operated more like a traveling carnival. This needs to be examined, investigated and dealt with
Product: Debt collection

I do not know what this debt from XX/XX/XXXX is. The current resident at my former address had several bills/debts in my name, that I did not sign for, authorize or approve. I recently found out that this may be one of them. The company is requesting I send them utility bills from XXXX ( which I do not have ) or a police report ( which I also do not have. ) I 've asked for a copy of the original executed contract/agreement for this service, so that I can see who signed for it, but the collection agency will not provide this to me.
Product: Credit reporting or other personal consumer reports

I sent dispute letters XX/XX/year> and XX/XX/year> and both my dispute letters were ignored. 


Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 
Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Credit reporting or other personal consumer reports

I have several mortgage accounts with XXXX XXXX including loan number XXXX for the property XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have been paying the monthly mortgage for the past 3 years on time as shown in the attached document. This was a non-escrow account since I have been paying for the property tax and insurance myself. In XXXX, XXXXXXXX XXXX bought for me a very expensive insurance saying that I had a lapse in insurance from XX/XX/2023 to XX/XX/2023. I never had an insurance lapse and my insurance agent XXXX has been providing them with proof of coverage. It took XXXX emails and multiple phone calls to get XXXX XXXX to realize their mistake. They are sending me the check for overpaid money forcefully taken from me. They have realized their mistakes but they are not retracking the credit agency reporting despite multiple requests. 

I need help to discipline XXXX XXXX  's unethical and deceptive business practices and to fix the credit reporting issues they have created.
Product: Credit reporting or other personal consumer reports

once again experian has colluted with XXXX, their agreement stipulates, the Credit furnisher has the right to freeze current balances vilating the XXXX XXXX XXXX, TRUTH IN LENDING LAWS, XXXX DAAY RIGHT TO RECIND ETCUPDATE BALANCE TODAY OR FACE CLASS ACTION LAWSUIT SEE ATTACHED BALANCE FROM CREDITOR.