23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was defrauded, extorted and held ransom by moving companies, including charged {$8000.00} to my XXXX Bank of America Card by a company that I did not hire and that is not in my contract. The company, XXXX XXXX XXXXXXXX XXXX, that charged me {$8000.00} also does not have an active business license to operate and does not have a mandatory federal motor carrier XXXX XXXX to operate legally in the United States. 

Bank of America has not resolved the issue, nor has Bank of America provided me with clear and consise info on what they need from me, nor has Bank of America provided me with clear and concise info on what payment amounts are due during the fraud / billing duspite is in investgation. 

I have provided Bank of America with nearly a hundred pieces of evidence that clearly supports my claim. I have called tirelessly since XXXX to provide anything they need and have asked for speficics on what they might need to resolve and they have not called back nor provided me with the information. 

I was orginally charged {$3700.00} on XX/XX/2022 by XXXX XXXXXXXX XXXX, who defrauded me with lies and fake information to obtain my business and did not honor my contract. XXXX relocations claims they are award winning movers, who have been in business for 46 years on their website, which are lies and fake informantion in order to lure in customers to defraud themXXXX XXXX XXXX XXXX the info on the site is fake. 

I was then charged {$8000.00} on XX/XX/XXXX by XXXX XXXX XXXX XXXX, who I did not hire and again who are not in my contract. I do not have a contract with them. 

Both of these companies involved in these charges have a long documented history of extrorting, defrauded customers, which is racketeering. 

I have been trying to resolve with Bank of America since XXXX. I have been a customer of theirs for 20+ years and I'm a XXXX XXXX however I plan to shutdown all accounts if not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX complaint against XXXX in XXXX for reporting my account 30 days past due in XXXX. I have tried to obtain copies of the complaints but could not access them online so I will need to call them. I made a payment through the XXXX app towards my account, after several days of not seeing this money come out I decided to call to ensure they received the funds. I was told by the representative at that time that he's never seen anything like this before and that the money was not received, he then advised that if the funds were received the date I made the payment then the account would not have gone into past due. There is a screenshot attached of the payment confirmation. My bank XXXX XXXX says that there could not have been an issue with the routing/account number entered on my end if there was they said it should have declined payment right away and not given a confirmation plus had successfully gone through in the past using the same payment method. I decided to pay off and close the account right away due to the high risk associated with keeping this account open. My account was paid on time every single month while holding an account through them, I have been a XXXX XXXX account holder their processor and have an excellent credit history with them. Its unclear what went wrong here but it was certainly not on my accord. I figured filing the XXXX complaints this was resolved since XXXX is showing the account as paid satisfactorily and does not indicate the account was 30 days late, it did previously ( see attached ). Transunion is showing this account still 30 days late in XXXX, I have disputed this twice with them the second time indicating that XXXX is showing the correct information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$640.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$8500.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$5700.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$13000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$640.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$5400.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$440.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$7000.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've corrected this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Unit A XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Was charged {$140.00} in interest, however per the recorded phone call on XXXX XXXX, I was told there was a credit being given back to me. Taken the promised credit, credit from returns and payments, it covered that statement balance. Ive been a long time customer and always pay my card in full. If I was not going to be given the credit, they should of not told me and I would of paid the difference to avoid interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 


Late Payment : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Collection : XXXX XXXX XX/XX/XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not made any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there were unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Product: Debt collection

AMSHER COLLECTION SERV Has been harassing me over a debt that I have no knowledge of and for which they have no Contract with me for. I have desputed this through the XXXX  reporting agencies but proof has not been given and they are still calling insesently and negatively reporting to the bureaus. AMSHER COLLECTION SERV must produce proof ( A signed Contract between Myself and their organization ) or desist from any reporting or attempt to collect.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Product: Credit reporting or other personal consumer reports

I filed a dispute on account number XXXX, XXXX XXXXXXXX XXXX due to the account not belonging to me. Experian denied to follow up with the investigation. I was recently notified that CFPB had filed a lawsuit against Experian. The alleged the company of accepting unreliable information and failure to notify consumer of results. This aligns with my situations. Im requesting the derogatory remark be removed as its affecting my chances of getting a house, car, etc. Experian violates my rights as a consumer as well as federal laws.
Product: Money transfer, virtual currency, or money service

Someone tried to open a ebay credit in my name. I've called the institution and they said it would be removed and it is still hitting as a hard inquiry on my report over a year now. Also there is another one regarding Amazon credit. SYNC/XXXX  and SYNC/AMAZON
Product: Debt collection

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. Also if I owe this allege debt the apartment stated that their central billing would house all of their bills and upon contacting central billing they have no record of this alleged debt let alone me owing this alleged debt.
Product: Credit reporting or other personal consumer reports

This was taken care of and was promised to be deleted from my credit report once paid. please delete. this is stopping me from getting a home for me and my kids
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I deposited {$4000.00} into Robinhood, the funds became available in 5 days and cleared through my bank. Up to this point I had completed all required security checks including pictures of my ID. They then restricted my account and required me to submit a picture of my SSN. Once provided they said theyd get back to me by XX/XX/XXXX as a deadline. The time came and went and they continue to push their deadline back, they then say I must schedule a call in their app but I have no option to do so, finally they call just to be put on hold for 10 minutes and for them to hang up.
Product: Mortgage

USAA charge off both home equity loans XXXX in XXXX XXXX. And most recent XXXX XXXX all payments have been maid and are up to date
Product: Student loan

Navient cashed check but didn't put towards balance of private loan. There federal loan is NOT even on the soft pull report. They put a federal loan number on my check and asked me to make payment for private loan even though they cashed it for a federal loan. Also, you are asking for money prior to XXXX time line. I sent XXXX so regardless it is sent but in mean time this all should be resolved. All the star XXXX money is cashed checks through navient should be private loan. XX/XX/XXXX, XXXX usd, XX/XX/XXXX, XXXX usd, XX/XX/XXXX XXXX usd
Product: Student loan

I have been with 3 different nonprofit lenders in the last 10 years. XXXX was the last one before the current lender named Mohela which took over in the middle of 2022. StudentAid.gov said that I needed to consolidate my loans in order to be eligible for the Biden exceptions during pandemic. I consolidated in XX/XX/2022. I had also applied for PSLF just as my XXXX to Mohela transition was happening, and the XXXX exceptions were being assessed. This may have confused the issue for Mohela as they are not counting Pandemic timeframe as payments toward PSLF. I also audited the listing of all of the possible payments that could have been counted with the Biden exceptions in the attachments. It appears there are at least XXXX payments that count towards the XXXX. Mohela is counting XXXX. The current wait time to talk with Mohela on the phone is XXXX minutes but I have stayed on hold for upwards on XXXX minutes before being disconnected on XXXX occasions from XXXX. I am logging this complaint so that there is evidence that the steps requested by XXXX, StudentAid.gov, and Mohela were followed.
Product: Credit card or prepaid card

In XX/XX/XXXX I went on line to pay my account and notice two of my accounts were closed without me knowing, never received a letter or nothing. I called on XX/XX/XXXX and spoke to a credit specialist at Capital One asking why were my accounts closed and he ( XXXX ) couldn't tell me. Both of these accounts were open XX/XX/XXXX/XX/XX/XXXX never been 30 days past due on never account. I been trying to establish good payment history to better my credit. These can't be right how companies mistreat consumers like me.Now it's showing on my credit closed and credit score has gone down.I needed these two accounts to build my credit up.I called again the following day and Capital One just told me to cut cards up and make sure I pay the bill mthly.Is this right?
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation has been imposed in error, and I would like to request a thorough re-investigation of my case with the aim of restoring my account. 

I want to emphasize that I have always strived to comply with all PayPal policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a restriction on my account. It is of utmost importance to me to maintain a clean and responsible PayPal account, and I have taken all necessary measures to ensure its proper use. 

Given the above, I kindly request that PayPal 's review team carefully re-evaluates my account activity. I believe that a thorough investigation will reveal that there has been a misunderstanding or error in the decision to permanently limit my account. 

I value my relationship with PayPal and have found it to be an essential and trustworthy platform for my financial transactions. Restoring my account would greatly benefit both myself and PayPal, as it would enable me to continue using your services in a responsible and secure manner. 

I appreciate your prompt attention to this matter and kindly ask that you reconsider the limitation on my account. If there is any additional information or documentation required from my end to facilitate this process, please do not hesitate to let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 


- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

- 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me PNC bank posted on XX/XX/2021 & XXXX XXXX XXXX posted on XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX ( These have numbers where it says account name on my report and I dont understand that ) XXXX XXXX, XXXX XXXX, XXXX XXXX, UNIVERSITY XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Product: Student loan

For over a month I have repeatedly reached out to MOHELA for a refund of all payments on my account since the student loan repayment pause began which I am entitled to. This is a time sensitive matter and when calling their phone lines I keep getting disconnected. Before getting disconnected I sometimes am quoted a wait time estimate of over 2 hours which is completely unreasonable. Their web portal says I will receive a response within 10 days. I sent messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without a single response. When looking online for a solution I found no solution but found many others who are in the same situation as me, zero responses on their web portal and wait times that last longer than the quoted time before getting disconnected or having to hang up to get on with life.
Product: Student loan

I have attempted to log in to my account with FedLoan Servicing. After correctly entering my information, the website would load, then automatically log me out, saying it did so for my own security. After successfully logging in and then being automatically logged out several times, they informed me that my " account is locked for security purposes ''. 

I'm then instructed to email them to resolve the issue. However, the ability to email them requires me to log in. So when I try to email them to fix the problem, it states that my account is locked for security purposes. I'm then instructed to email them, and so on, in an endless cycle which presumably completes at the heat-death of the universe.