23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have contacted and disputed bank accounts with XXXX XXXX and some other banks that were opened fraudulently in my name and SSN. I was already contacted by a mysterious email from XXXX XXXX stating that I could be in a class action lawsuit regarding people opening up bank accounts fraudulently in others names and SSNs. 

I have never did any business with XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX ( This bank is in Georgia!! ) I have never lived in Georgia. 

XXXX XXXX blocked the XXXX XXXX accounts but then they added them again about 2 weeks later. And they stated these accounts were verified. And I want detailed answers on how thorough this investigation was. I need to see signatures as well. I need names of who is verifying this information I sent them a sworn affidavit XX/XX/2018 and also I sent a filed police report in from the county that this happened in about two years ago apparently because I had seen an address on my credit report in XXXX County, which I have never resided either. 

This is a mess and I am going to have to contact every agency that exists including legal representation until this is resolved.
Product: Student loan

The Company VSAC uses an equation to determine their interest accrual. 

[ ( I x P ) / XXXX ] x XXXX. 

I = interest rate P= principal balance N= number of days since last payment. 

Given : Interest rate stays the same and every XXXX  days I have a constant amount directly withdrew. 

Does the interest amount that accrues go up or down every XXXX days? Mathematically it should go down. Correct?! 

Not VSAC, every week I am paying higher and higher accrued interest.. Making it almost impossible for me to pay the loan off. I can not make a dent into the principal balance. Then they capitalize the interest back on to the loan. 

I had communicated this to the company an they do not want to help or give a good answer. 
This company also did not let me pay off my interest AT ALL when I had my Federal loans with them. I would make HUGE payments back in like XXXX to try to pay of this loan and they would not pay the interest off. It is stated on ALL their literature that they pay interest FIRST. But not with me.. Then when the interest was not paid they capitalized all of it back to principal at the end of the year. I had to consolidate to get out of that. I have documents to prove that also but have to dig through files. 

I attached a document showing payments made and interest accrued. This just recently is happened again..
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft and request immediate action to prevent further unauthorized activity on my credit reports. As advised by my credit bureaus, XXXX, XXXX, and Equifax, I am submitting this report to block the fraudulent accounts and protect my credit information. 

I discovered that my personal and financial information had been compromised, resulting in the opening of multiple accounts in my name. These accounts were not authorized by me, and I am unaware of the individuals or entities responsible for the identity theft. 

As advised by my credit bureaus, I am requesting that all these accounts be immediately blocked to prevent further unauthorized activity. I also request that all inquiries and credit applications associated with these accounts be removed from my credit reports. 

I appreciate your prompt attention to this matter, and I look forward to resolving this issue as soon as possible.
Product: Debt collection

Hello, I sent in a request to PHH mortgage XXXX XXXX explainingthat on XX/XX/XXXX, I reached out to the company. At that time my mortgage was LESS than 90 days late. I spoke to a representativeon the phone and she told me exactly what I needed to send in to bring my account current. I sent a cashier 's check of {$6300.00}. That money covered XXXX, XXXX and I was paying my XXXX payment in XXXX. I paid all the way up till XXXX. However, Ocwen claimed that they never receivedthe payment. They said they were researching the payment. I went to my bank and got all the receiptswhich revealed that I got a cashier'scheck on XX/XX/XXXX for {$6300.00} and on XX/XX/XXXX for {$670.00}. On XX/XX/XXXX, Ocwen transferredto PHH and you all lost my payment in the process. I was told not to pay again until XXXX while they look for the money. When the money was found I wasn't even notified, I was never treated with any respect, no one ever returned my emails or my calls. I had to call around the clock! In the end, you never acknowledged your error. On XX/XX/XXXX, I once again reached out to see what was going on with my mortgage and I was told by XXXX XXXX that I would be notified by mail. The mail came and I read that my house was in FORECLOSURE! I was mortified because how was my house in foreclosure when I paid my bill and I was never over 30 days behind? The company forbade me from sending in my XXXX payment until they found the lost payment. I filed complaintswith the XXXX  and the Consumer Protection Agency and I am doing so again. Your company responded to my complaint on XX/XX/XXXX and the letter stated : '' On XX/XX/XXXX we receivedfunds in the amount of XXXX which was applied to payments for the period of XX/XX/XXXX through XX/XX/XXXX with an effective date XX/XX/XXXX ''. This response did not address my issue, it doesn't acknowledge that my money was lost by PHH/ OCWEN in XXXX and that XXXX was what I was forced to pay to get my house out of a foreclosure it never should have been in in the first place. I request that the existing fees be waived as I never earned them. Also, any money I was forced to pay that I did not owe associated with a foreclosure that was NO fault of mine be sent. I have sent you copies of the funds i took in XXXX. In XXXX of XXXX, I owed XXXX and XXXX as it was not the end of XXXX yet and I paid what was owed, this company is unprofessional and you are dishonest and lack integrity. I want my letter to be properly addressed this time and I want the fees removed from my mortgage expeditiously. I
Product: Debt collection

Someone apparently got attached service in my name, Diversified consultants was asked the first time they contacted me to send me proof of the debt they refused and posted the depth to my credit file, I have lived in the same house for years I have att users ever and cell phones and pay my bills every month when I get my social security, last year I reported identity theft to the ftc over medical billing please help
Product: Money transfer, virtual currency, or money service

I received 2 emails from my bank ( Chase ) on XX/XX/XXXX indicating that I was sent to payments from my business account ( XXXX XXXX ) via XXXX for the amounts of {$1900.00} & {$2900.00} ( see attachments ). When I checked my account it appeared that money was sent from myself, but the fraudster changed the receiving account to a different email. I assume they got access to my account and changed the email so it would look like the money was being sent to myself rather to them. After numerous phone calls and bank visits Chase has told me that since the XXXX payment was sent to " myself '' that they can't do anything about it. Although that the records shows the money going to a different name and email than mine. This has cost me over {$5000.00} and more time and energy than I would have liked to spend. I've exhausted all of my options and am looking for some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An 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

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX, So I am here to notify/complain to you directly through this platform. Please correct and update these Accounts XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : -.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a bill in the amount of {$1400.00} from XXXX XXXX. I left XXXX XXXX and closed my accounts with them back in 2018. Im not sure why in receiving a bill 3 years later. I have been paying off my credit card with XXXX XXXX  since then which is in collections. I do not recall or understand why Im receiving this. I already owe XXXX XXXX  over {$4000.00}. Now this? Im sorry but they combined everything I owed them into one amount and Ive been paying since. This is wrong and incorrect.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( 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  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

There is a collection account, XXXX XXXX listed as the creditor, on my Credit Report I contacted XXXX on or around XX/XX/year> regarding this balance when I began receiving notices via text messages ; the agent advised my account is in good standing and I have no outstanding balance. Additionally, I encouraged her to validate with her supervisor to confirm, which she did and subsequently advised this billing should not be sent to me. When I began to receive collection notices I disputed with the collection agency and I also disputed the matter with the CFPB ( Consumer Financial Protection Bureau ) # XXXX in late XX/XX/year>. CFPB investigated and subsequently advised the debt request has been recalled from the Creditor. All collection attempts ceased at that point. However, now there is a {$77.00} collection notice appearing on all 3 of my credit reports. I've disputed this as a collection not belonging to me, however XXXX advised to raise to CFPB as they have rejected my dispute XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report illegal credit reporting activities conducted by Caine & Weiner Company , INC . Despite lacking the necessary authorization to operate as a credit reporter in the state of Texas, they have continued to report inaccurate information regarding my debt to credit bureaus. 
This violates the regulations outlined in Texas state law, which mandates that only properly licensed and registered entities are permitted to engage in credit reporting activities within the state. Despite my efforts to rectify this situation, Caine & Weiner Company , INC persists in reporting unauthorized and inaccurate information about my debt, causing significant harm to my credit score and financial well-being. 
I request immediate action to address this issue and ensure that Caine & Weiner Company , INC ceases all illegal credit reporting activities related to my account.
Product: Debt collection

I have been trying to contact and dispute this account for over 2 years now with no proper verification of this debt. I have sent letters and all valid documents starting in XXXX of XXXX. I finally received a response my second time asking for validation in XXXX of XXXX and was told the Convergent sent all information to sprint XXXX XXXX and is still awaiting a response. Sprint is not responding to the company and the company is not able to send me anything that proves i am responsible for the alleged debt after 2 years of negatively reporting to the credit bureau horribly affecting my credit report. 
I want to be explicitly clear with my request. I have not requested validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that they are being willfully negligent in rectifying my affairs. Over the past almost 3 years that I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mail out dispute letters to all three credit bureaus and none of them corrected the information. 
XXXX XXXX XXXX XXXX receives a XXXX dollar payments every month, this is what the company agreed too. And every month they report my account late/derogatory XXXX ) XXXX XXXX  has this account listed as open but charged off with a balance of XXXX XXXX ) the addresses listed on my with the credit bureau should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All others I would like removed. 
XXXX ) XXXX is listed twice along with XXXX XXXX and XXXX XXXX. I disputed these as well and I was told that it was fribilous. 
An according to my rights with fcra I have the right to privacy and the right to have only verified and accurate information on my reports
Product: Credit card or prepaid card

XXXX XXXX XX/XX/2022, I was in XXXX XXXX XXXX XXXX When I Returned, I contacted the customer service department of discover card. I inform the company that there were fraudulent transactions on my discover credit card. After the investigation the company found and reversed the transactions. This was a part of their resolution and sending me a new card. XXXX or XXXX the company decided to re-establish the charges and informed me that I have given a person permission to be an authorized user on the account. So, I was responsible for the charges. I asked the Company for the recording of my verbal signature or the document with my written signature giving discover and the other party permission to be a secondary authorized user. I have not received either one. I am still making payments on the account as of current.
Product: Mortgage

We were a victim of identity theft and had to close out our bank accounts and open new ones. We had to make arrangements to have our only income to be direct deposited into the new accounts which took time. 
Evidently when we scheduled a payment, the checking account number was missing XXXX digit so the check was returned internally because I called my bank and they told me that the check was not ever presented to them for payment. 
I called the payment into XXXX mortgage servicing to make the payment for the mortgage and I asked them to fix the account number XXXX months in a row not once did they tell me that I had to fix it on my end. Now because payments were returned XXXX months in a row they now expect us to submit certified bank checks for payment. Our payments were never returned for insufficient funds and before the identity theft we were always on time paying the mortgage. I can have my bank prove that we had the money in the bank enough to cover each payment if we need to. 
This is very unfair to us being XXXX XXXX we cant get to the bank to get a certified check to pay the mortgage. Not to mention the cost of the certified check. 
Now we are behind XXXX and XXXX because XXXX wont allow us to pay traditionally. The money for XXXX is sitting in our bank account because they stress not allowing us to pay it.
Product: Credit reporting or other personal consumer reports

I did not authorizr anyone employed by these companies to make any inquiries nor to my pull my consumer report. In addition I did not give permission to furnish such items to my consumer report. The erroneous information violates Fair Credit Report ACT section 1681b ( c ) which constitutes as fraud.

I've attached my personal identifiable information to this complaint. FCRA section 605b ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The accounts that was not authorized ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I successfully sent XXXX HEX tokens ( valued at ~ {$20000.00} ) to my virtual wallet operated by Coinbase Global , Inc. Upon receiving my funds, I was told by Coinbase that I could not access the funds. Furthermore, Coinbase would not return or refund the tokens. This is clearly fraudulent activity on behalf of Coinbase who knowingly accepts funds for which they will not provide access to, especially when there are simple means to provide returns or refunds.
Product: Debt collection

I have received numerous phone calls over the past few months fromDirect Recovery XXXX XXXX XXXX, XXXX, NY XXXX. 

The phone calls are for XXXX XXXX. The collection agency leaves personal information about this debt and threatens to file legal action against this person. 

When I called to ask them to stop, they refused to provide any information, including the address to which to mail a cease and desist letter. I obtained the address information from a reverse phone number search. 

The phone calls are approaching the level of harassment. They come at all times of the day/evening. 

According to my caller ID, the calls come from XXXX. The phone number left to call is XXXX. The person says that her name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian report it states that as of XXXX XXXX, I owe {$440.00} to XXXX XXXX. I have repeatedly disputed this as it does not belong to me. It belongs to my ex-wife as we have been divorced since XXXX. *This account was removed from my report in XXXX and reappeared under another collection agency XXXX XXXX XXXX in XXXX.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2022, I was not able to log in to my account. I had tried all basic troubleshooting options, including using different browsers, using Private/Incognito mode, using a different computer, restarting the computer, and clearing cookies site/data. I was also unable to log in through the mobile phone app. 

This was not a wrong username/password error, I was receiving a generic Request can not be processed error. 

I called customer service that day and a representative walked me through some additional troubleshooting with no success. They submitted a support ticket for me. I never heard back and the problem was not resolved. 

On XX/XX/2022 I tried to log in to my account again and was still unable to. I repeated the troubleshooting steps I had done before with no success. 

Since I can not access my account, I do not have access to my money.
Product: Credit card or prepaid card

On XX/XX/2019 I noticed an unauthorized charge in the amount of {$750.00}. I contacted American Express immediately to inform them the charge was pending and to cancel the transaction. They advised me that once the charge clears I can dispute it. When I put in my dispute I made it very clear that I was a victim of fraud and I did not authorize this transaction. I received an email to submit a Declaration of Fraud form. I completed the form and submitted it via email. They informed me that my dispute was denied.