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

There was an affidavit sent to Experian, XXXX, and XXXX regarding account XXXX XXXX on my credit report. I informed the CRA 's of the illegal reporting due to permissible purposes and exclusion laws. I submitted a FTC report which is attached to this complaint. I also noticed that the account has different information being furnished to each credit reporting agency which is also illegal and a violation of the FCRA. Please note that I am the only natural person writing this statement with the help of no third party. See the attached FTC report and inaccurate credit report and remove this account from my credit report.
Product: Debt collection

I have filed a complaint with you about XXXX XXXX. This is the collection company that used my personal information to open up an account and added charges that are 3 times more than what I had owed. The originator company is Comenity Bank. Comenity Bank lied about applying my payments to my account, and charged me late fees causing my balance to rise. 
I filed a complaint with XXXX, and XXXX XXXX so far these credit companies has done nothing about XXXX XXXX, and XXXX XXXX XXXX These companies both has caused my credit to diminish. They both opened up a account without my consent and knowledge, and they both increased the amount of what was owed to Comenity bank 3 to 4 times of what I had owed. Comenity bank had close the account but without my consent gave my personal information to XXXX XXXX, and XXXX XXXX XXXX. This is fraud and I want them to close these account on my credit report. I also want Comenity bank, XXXX XXXX, and XXXX XXXX XXXX to each pay me {$10000.00} each for destroying my credit. 
It seem wrong when someone can just open up an account using your personal information without your consent, add fees without consent this is fraud.
Product: Prepaid card

My Virginia unemployment is deposited to my Virginia Way2Go Card ( Prepaid XXXX ) and I have had numerous issues with this company. 

XX/XX/2024 - I received an unauthorized charge of {$4.00} on my Way2Go card - I contacted Way2Go to refund my card {$4.00} - Way2Go suggested I order a new card ( I paid {$18.00} for expedited shipping and {$4.00} for a new card XX/XX/2024 - I called XXXX and was told the new expedited card was never shipped - I called Way2Go and they agreed to refund the {$18.00} expedited fee and {$4.00} fee since I never received a new card - Way2Go agreed to send another card and informed me it would take 5-10 business days To date, I have not received my refund of {$18.00} and {$4.00} ( I was told this would only take a few days on XXXX XXXX ). For the past several days I have attempted to reach Way2Go and can not get through the line. Even when I select the option to report a card lost or stolen -- I am unable to reach a live representative. I am only prompted to enter my social security number which is a red flag. The way Way2Go operates is inefficient and untrustworthy. Additionally, their practices do not reassure the safety of their consumers information. I am reaching out in hopes of solving this issue.
Product: Debt collection

this is who i am filling a complaint on southwest collection service, inc i have received numerous blocked called and calls from this agency, telling me they are going to deport me if i do not pay this debt, i told them i will only pay XXXX i will not be paying XXXX ever! and they said they would not except, so they said if i dont pay the total they would be reporting me to ice agency, but im a citizen, ... i am not sure if i should challange them in court, i would like to settle this and pay half but they said they would not except, he called me ugly and called me ill and said he wanted me to harm myself. XXXX XXXX from southwest collection service, inc is who im filling the complaint against. 

i called the dentist in XXXX XXXX personally and they said the dentist died, so they wouldnt be able to take any money, this is an old cause XXXX i understand this creditor is trying to collect the 10 percent this isnt going to happen. i will only pay XXXX nothing more. i will also be reporting them to fdcpa i am XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX i have recieved threats telling me they will be reporting me to ice, to come take me and my family, i am ready to sue them! southwest collection service amount {$590.00} interest {$390.00} total {$980.00} creditor XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified by the three credit bureaus ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected/deleted : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$47000.00} XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} - tied up XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, 2016, around XXXX eastern time, a {$500.00} unauthorized withdrawal in my debit card was taken. Upon checking my balance, i called my bank & was transfer to the dispute department to file a case. After filing the report over by the phone, XXXX the dispute department, instructed me to file a police report. Filed the police report on the same day forward confirmation back to XXXX. When i ask for my money to be credited ASAP, i was transfer to different people, nobody was able to help me even though i told them that the money was for my rent, rent that is due and might be evicted if not paid within 3 days. I was told repeatedly that they ca n't do anything for me. I was really frustrated and hopeless. I was a loyal customer with this bank and they would n't do anything to help me. I feel something wrong was done to me.
Product: Credit card or prepaid card

This account was settled with the collection agency it was sent too. I tried to reach out to the credit furnisher but they would not update my account accordingly. I also tried disputing it with the credit bureaus and they refuse to correct/ update/ delete the account
Product: Credit reporting or other personal consumer reports

Per 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 Account # XXXX. 
XXXXXXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 ( A ) states that I have the right to privacy. 
15 U.S.C 1681 section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

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

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and my information was used to open up fraudulent accounts and car loans
Product: Mortgage

ReconTrust ( Headquartered in XXXX XXXX, CA, ReconTrust is a member of the Bank of America family of companies. XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX ) was a debt collector foreclosing on my home and by the time we were able to get this stopped they had added about {$20000.00} to the balance of my loan without providing comprehensive itemization for the sum provided in the loan modification " ReconTrust is a foreclosure trustee that is legally required to act as a neutral party on behalf of both the lender and the borrower while conducting foreclosure proceedings in good faith and in accordance with the law. '' XXXX XXXX   XXXX However, Recon Trust refused to respond to our communications, refused to acknowledge funds paid and instead stated that we had not paid though we had documentation to prove otherwise.

Recontrust violated : 15 U.S.C. 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

ReconTrust subsequently had sent us notice of Trustees Sale noting that unless we cured the balance due it would be sold at public auction and at the local court house the auction was posted on the public bulletin board. The unpaid balance was different than the balance that we believed due by about {$20000.00} in charges that were not itemized.

ReconTrust also stated in the notice that it was a debt collector attempting to collect a debt and that any information obtained would be used to collect the debt. The notices sent to us by ReconTrust contained misleading information regarding the amount due and alleged owed.

The unitemized summary balance was used to modify the loan raising the balance approx. $ 22-24,000 higher than the balance we understood due and owing at the time. 
But we could not get anyone to talk to us. Even a local realtor volunteered to assist us in calling them on our behalf but could get no response. 
ReconTrust was listed as a Trustee but acted only as a debt collector and refused to respond to my calls, thereby assisting BAC in what I have continue to believe was fraud regarding the issue of the additional amounts added to my original loan amount.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY 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 don't 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint today to report fraudulent activity that has compromised my credit. Upon thorough research, I discovered that to remove the fraudulent items from my report, I must file an identity theft report with the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items identified in an identity theft report, referenced by numbers XXXX & XXXX. I have attached the necessary documents to aid in the removal of these items from my report. Listed below are the items opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX
Product: Debt collection

This debt was dismissed two years ago by the Department of Education because the school was determined to have used unfair enrollment practices by promising job placement. In addition, I graduated from this college in XXXX of 2012. The debt is more than the federal statute of 7 years old. XXXX  overzealous debt collection agency changed the date of the debt and added it to all three of my credit bureaus. Attempts to communicate with the collection agency was unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXXXXXXXXXX  Account # : XXXX XXXX Account # : XXXX | XXXX  XXXX  XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I found inquiries on my report that i dont recognize XXXX Experian 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 card or prepaid card

I received a credit card in the mail on XX/XX/2021 but I did not apply for a credit card. The mail was addressed under my maiden name. The credit card is through US Bank reliacard. I believe my identity has been stolen. I tried to call the 800 number on the card but you can not get a live person to help. It's an automated system. Please help as I do not know what to do next.
Product: Checking or savings account

I opened an online savings account with Marcus by Goldman Sachs on XX/XX/2021, I transferred {$1000.00} from my personal bank checking account and {$8000.00} from my savings account ( {$9000.00} total ) on XX/XX/XXXX. The money left my personal bank account on XX/XX/XXXX. I went to log in my Marcus account on XX/XX/XXXX to find that they locked me out of my account. I called Marcus customer service and they said they don't know why it's locked and nothing can be done until Monday XX/XX/XXXX because the team that unlocks accounts isn't here on the weekends, also they said they didn't receive my {$9000.00} from my personal bank. So I call on Monday, they say they are force closing my account and I can't get my money back that I sent over, they told me they never got {$9000.00}. I called my personal bank, verified the account and routing was correct and they said nothing can be done because the money left the account and is in the Marcus account. On XX/XX/XXXX Marcus said they received the {$9000.00}. So they closed the account on XX/XX/XXXX and my money got sent to a closed account. That money should have been rerouted back to me the next day ( according to my personal bank ). The representatives at Marcus would not tell me why they closed my account, when or how I will get my money back. They just kept saying " we can't disclose any information regarding the matter '' for every question I asked, I was transferred to several supervisors and they all kept saying they can't tell me anything except the account is closed and they will not send my money back, no transfers can be made and they can't transfer any money back. Marcus told me to have my personal bank recall the funds, they said my personal bank will have a procedure for getting my funds back. My personal bank said that's not possible, they don't know why Marcus would tell me that and Marcus needs to send the money back because they have it and they closed the account. I keep getting the run-around I have been calling my personal bank and Marcus everyday, several times a day to find out where my money is and it's XX/XX/XXXX and I still have no answers or my money back. This is theft. Marcus bank literally stole my money. They should not be allowed to operate. They need to be investigated, how can they treat people like this?! I have bills to pay, this is causing me a lot of distress.
Product: Mortgage

On Thursday XX/XX/XXXX of 2021 at XXXX, I sent a formal request via email to Planet Home Lending for an appraisal of my home to be able to see if I could remove PMI. 
I am required to only use appraisers from Planet Home Lending. 

I received a response email from Planet Home Lending ( PHL ) stating all I had to do is send documentation of home improvements and costs for them to schedule the appraisal. 

On Tuesday, XX/XX/2021 at XXXX is sent two receipts from my over XXXX dollars of renovations to PHL. 

On XX/XX/XXXX of 2021 at XXXX I asked about the status of my request for an appraisal. 

On XX/XX/2021 at XXXX I was notified by PHL that my request for an appraisal was denied and cancelled for not meeting requirements to deserve an appraisal. 

I believe I am being unfairly charged PMI when I clearly have increased my home value by over XXXX dollars. Even my local tax office in XXXX XXXX appraised my home at over XXXX dollars more than last year. Yet PHL will not even let me have an appraisal ... ..just to keep me paying more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
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. 

1.XXXX  XXXX XXXX violated my rights, 2. THE XXXX has violated my rights, 3.XXXX has violated my rights , 4. XXXX XXXX XXXX XXXX has violated my rights, 5. XXXX violated my rights, 6. XXXX XXXX XXXX XXXX has violated my rights, 7. XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 8. XXXX : XXXX violated my rights. 

15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.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.

I have sent in numerous of letters, the only correspondence I have received is in the documents section below. I also inserted the letters I have sent to the credit bureaus.