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

checking account XXXX under the name XXXX XXXX   was opened fraudulently and attached to the savings account XXXX with {$50000.00} that was electronically transferred from XXXX XXXX. XXXX XXXX sent out {$50000.00} under my name and social and dob, but bank of America and XXXX XXXX kept my name XXXX XXXX but changed the dob and social and used the address XXXX XXXX XXXX XXXX XXXX XXXX  florida XXXX  when I went to Bank of America to bring this to their attention they called the police in front of me, but there is no record from XXXX XXXX police department. I met with XXXX XXXX deputy outside the bank and he told me to go to report this to the XXXX XXXX  Police. I did drive there and arrive at XXXX XXXX XXXX to file report XXXX  with the agency on XX/XX/2018. Since then I went to Bank of America and they still have not disclosed their plans to allow someone else to continue using my name and {$50000.00} in XXXX XXXX, Florida. I have case id XXXX from the past as a reference. Also, BOA sent a letter to my address saying that credit card account number XXXX XXXX XXXX XXXX is reporting correctly on my credit file, but I do not see it anywhere on my credit file. Please tell me what credit file they are referring to?
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the CARES Act my loans were put into forbearance, however it was reported my credit score dropped almost 50 points. Its saying a remark has been removed from each loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As notified previously, I have been a victim of identity theft
Product: Student loan

Multiple times waiting on hold and calling about my XXXX. Sent the document 4 times, with very little direction about what was wrong. Received on the last day XX/XX/XXXX that I needed more documentation to support my employee verification. I have worked at the same XXXX since XXXX, HR has signed/resigned and I have double checked the date on my XXXX  form and everything was accurate. Receiving this on the last day before close of the XXXX, I was unable to call/figure out additional discrepancies MOHeLA found that they felt they couldnt certify my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 3 months and I still haven't received any results in the mail and these unverified account still show on my credit report.
Product: Vehicle loan or lease

In XXXX XXXX XXXX we contacted Ally Financial about purchasing our leased vehicle, we received the payoff amount and secured a loan to payoff the vehicle. 

XX/XX/XXXX we mailed a check certified overnight to the address provided by Ally XX/XX/XXXX the check was signed for. 
XX/XX/XXXX we called to verify if check was posted. The rep. we spoke to had no knowledge of the being recieved and told us it would be 30 days to post. 

After waiting 30 days called again and Ally had no knowledge of the check being recieved we explained that it was mail certified and was signed by someone at the address they gave for the payoff. The only remedy was to launch an investigation. We gave the amount of the check, check #, and copy of the post office delivery receipt. 

we received no correspondence from Ally regarding this matter, so we continued to call again on XX/XX/2023 and XX/XX/2023 The only solution that was offered was to send another check to the same address in which the first check was lost. The only means of purchasing vehicle was mailing a check to said address. 
Since launching an investigation Ally has not contacted us about the lost check. 
Since our lease was up in XXXX we surrendered the vehicle on XX/XX/XXXX, contacted Ally at the time of the surrender as of XX/XX/2023 Ally has not picked the vehicle up from the dealership. They have sent a letter dated XX/XX/2023 of notice to report negative information to the credit bureaus. We have also received collections calls which we informed them that the vehicle was at the dealership. We were told that it was illegal for Ally to contact the dealership. We contacted the dealership to inform them that the vehicle was at the dealership.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion Here I attach, along with the dispute, my fraud report that I just sent to TRANUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments from Global Lending XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as transactions or experiences between the consumer and the person making the report ; 495 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019
Product: Debt collection

VALIDATION AND CEASE AND DESIST Nordstrom/TD Bank USA XXXX XXXX XXXX XXXX XXXX , CO XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Dear Nordstrom/TD Bank USA : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my prior complaint from XX/XX/XXXX. While I acknowledge and appreciate the removal of some incorrect items from my credit report, it remains affected by other unauthorized entries. There are still a number of unauthorized hard inquiries recorded on my credit reports, detailed as follows : XXXX : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have already notified each company by certified mail that these inquiries were made without my authorization and demanded their elimination. Under the mandates of the Fair Credit Reporting Act, I insist on the removal of these unauthorized inquiries from my credit report. I would appreciate receiving an updated copy of my credit report after these corrections have been made.
Product: Debt collection

I have an account in collection with NCB Management Services Inc. On XX/XX/2018 I agreed to a payment arrangement with them and gave them permission to withdraw funds via electronic check from my checking account every month on the XXXX. 

I never give out my banking information, but agreed since they contacted me on my mothers phone ( not sure how they obtained this information ) and I was eager to resolve this account. 

On XX/XX/2018 an electronic check for {$780.00} was paid to XXXX XXXX Bank and initiated by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) on my checking account. 

On XX/XX/XXXX, the electronic check I approved for NCB Management Services went through for {$30.00}. 

Again on XX/XX/2018 another electronic check went though for {$310.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) Once more on XX/XX/2018 an electronic check went through for {$120.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) And again, On XX/XX/2018 another electronic check went through for {$300.00} paid to XXXX  XXXX by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) After this transaction the checking account was closed. My bank denied payment to all the above transactions except to NCB Management. Since I have closed the account I request that prior payment arrangements be denied and I have not contacted NCB to make new arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX  XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/20
Product: Checking or savings account

On XXXX there were purchases done with my debit cards with banking institution BANKOZK located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Names on the first account was XXXX XXXX XXXX, XXXX XXXX this was a joint checking account, The XXXX was checking account was in XXXX XXXX name alone. 
I filed a fraud report with them on XXXX and also with our local police in saint XXXX fl. 
My email address is XXXX and my address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX On XXXX XXXX someone posed as a BANKOZK XXXX on our phone and they informed us that someone authorized a {$1800.00}. purchased on our accounts. They instructed Us to go out and purchase gift cards in the amount totaling $ XXXX so that they could protect our XXXX accounts so they would be safe. This took place between hours of XXXX ; XXXX TO XXXX ; XXXX on XXXX XXXX what NEVER HAPPENED was our Bank Notifying us that something was wrong with both our accounts. Today XXXX, XXXX I was informed by BANKOZK that our request was denied.

The BANKOZK NEVER NOTIFIED US That day or when the decision was made about the outcome of ourcase. NOT GOOD BUSINESS!!! 
I will also be contacting our local news station and our local politicians, state banking rep. also Please advise us of what way to proceed with this matter to get resolved.
Product: Money transfer, virtual currency, or money service

I used to be able to tie my account from pins into the XXXX   app because it really helped me when I was in a pinch to get money u til my next pay day.. and now there was something changed with the app and I can no longer use the service!! This is completely ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XXXX  is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal action.
Product: Debt collection

This complaint is in conjunction with cfpb case no. XXXX. 

The collection agency Midland Credit Management, Inc began calling me and sending me mail XX/XX/XXXX trying to collect a debt on XXXX XXXX XXXX account I had settled XX/XX/XXXX through debt consultation ( XXXX ). At the time the collections owner of the account was XXXX XXXX XXXX XXXX XXXX. The last know update to cfpb case no. XXXX has Midland stating that XXXX XXXX is a subdivison part of its company and that they were no longer pursuing payment and that no money had been collected on the account. This statement is FALSE. I not only settled with XXXX for the XXXX XXXX account for the amount of XXXX XX/XX/XXXX but I have documentation and bank statements to prove so. XXXX has no right to report anything on my credit report about this account other than it was settled. Instead the company shadily tried to collect on the remaining amount of the account left at settlement. Paper copies of attachments will be sent to CFPB by certified mail with this case number as reference for further review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my profile to be In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX All credit inquiries Apartment complex in MI XXXX, has violated my rights. 

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

Per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer, It states a consumer reporting agency can not furnish a account without my written instructions. They do not have my written instruction.

Per 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.

Per 15 U.S.C. 1681s-2 ( A ) ( 1 ) ... .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 called to delete authorized inquiries on my credit report today XX/XX/2023. Theres 12inquiries. The rep XXXX from Experian refused to help me. The number I called for Experian was XXXX ( XXXX ) XXXX .Heres a list of the inquiries I want deleted from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was ambushed by this company by a fraudulent advertisement in the store, the sign said 24 months same as cash, after opening the account went in to make my first payment only to find out it wasnt 24 months same as cash but 12 months same as cash, so I panicked to try and get the account paid off before the 12 months, I felt since they hadnt explained it therall to me on the end of the contract I needed 2 more days to come up with the full amount, Got an associate on the phone that needed to get approval from a manager and he put me on hold came back to the phone saying he had gotten it approved so I called back a few days later to pay the account off and the new associate had no clue of what I was talking about but these calls are recorded, but they claimed they did an investigation and they didnt find anything which is ironic, because upon taking payment or setting up payment arrangements the calls are recorded.So long story short I ended up paying hundreds of dollars in interest fees because after they didnt hold up there end of the bargain the account nearly tripled I struggled to pay it off which I finally did but had nemerous late charges and late payments I was devistated. I had a total of 3 accounts with this company now I only have 2. I had no clue what to do, plus they were reporting late payments to my reports during the height of the pandemic XXXX and XXXX of XXXX also XXXX and XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed these issues
Product: Debt collection

On XX/XX/, I received a letter from Jefferson Capital Systems , LLC notifying me of an outstanding debt from XXXX. I immediately responded with a debt validation letter 15 USC 1692g and upon further research I noticed that Jefferson Capital Systems , LLC is not registered to collect or licensed in New York State to collect debt. See attached documents. My reference # XXXX.
Product: Student loan

I was about to graduate in XX/XX/2018, when I was told by XXXX XXXX that he had an idea that would allow me to walk for graduation. I was desperate and wanted to explore any alternatives for graduation. He told me it was a loan through the school, but come to find out its a private loan from Navient. He made me take out the loan AFTER I shown proof that they owed for a health fee I ALREADY PAID FOR! 
Not only that, Im still in XXXX  school, and they continue to keep bothering me. Please help me
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian and XXXX ) consumer credit report, and I noticed some late payments posted on my consumer credit report : XXXX XXXX accounts with late payments along with their account numbers XXXX. Reinsertion Of previously deleted FRAUDULENT Inaccurate/invalidated account. 

XXXX XXXX, Experian and XXXX is in the clear violation of the law. Under 15USC 1681- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include -- -- ( A ) Subject to section 1681s-3 of this title, any -- -- ( i ) report containing information solely as to transactions experiences between the consumer and the person making the report. 

I demand XXXX XXXX to delete the account from my consumer credit report or I will seek litigation. XXXX XXXX is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above references account, and send a copy of my report after the changes have been made will result in legal actions bring taken against your XXXX XXXX, Experian and XXXX, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692 violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 USC 1681n ]. 

I demand you to delete this account from my consumer credit report or I will seek litigation.