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

I opened a 12 months CD with bank of America in the month of XXXX. Few months later, in the month of XXXX, i needed to access the funds, so i closed the account. Not surprisingly, Bank of America subtracted the earned interest as the account was cancelled before the maturity term. In addition, to that, they charged me {$1000.00} fee for closing it early. I chatted with CD department representative, and they agreed that it happened in error and assured me that i will get my funds back. Unfortunately, that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and There is a fraudulent and unauthorized hard inquiry listed on my Trans Union credit report. The hard inquiry do n't belong to me. The hard inquiry is fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX CA XXXX FCRA Violation credit card not mine XXXX  XXXX XXXX XXXX FCRA Violation public record not mine XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX the consumer and natural person am seeking remedy from IQ DATA INT. They are in violation of the FDCPA Laws as you can see in Exhibit A, B, and C.

They are in violation of 15 USC 1692d ( 1 ), by reporting on my consumer report and ruining my reputation. 
On XX/XX/2021 I sent IQ DATA INT a debt validation letter by certified mail ( exhibit B ) it was received and sign for on XX/XX/2021. Today is now XX/XX/2021. I have not received anything from IQ DATA INT. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean IQ DATA INT agrees with me that this debt is false. IQ DATA INT failed to validate a debt at my request, which is a FDCPA violation and still continued to keep reporting a disputed debt to the Consumer reporting agencies another FCRA violation.

By doing so and by reporting this debt to the Consumer reporting agencies it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$2000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

Whenever SOFI/Moehla takes the payment directly from my bank account they apply to a different loan and then start calling, emailing and harassing me for my payment saying it is late.
Product: Checking or savings account

I opened a new checking account with the promise of a {$500.00} bonus if I made direct deposits totaling {$6000.00} or more within 60 days of account opening. I opened the account on XX/XX/2022 and completed over {$6000.00} by XX/XX/2022, fulfilling the requirements for the bonus. The {$500.00} bonus was supposed to be deposited into my account within one statement period after completing the required deposits. I should have received the bonus by XX/XX/2022. It is now more than 60 days after I completed the requirements, and I have not yet received the {$500.00} bonus. I called to ask about this issue, but after spending more than half an hour on hold and being passed to three different operators, I was informed that they had no way of helping me because their " system is down. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Acts XXXX XXXX, has violated my rights. 

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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Product: Debt collection

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX Amount : {$11000.00} Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 USC {$1600.00} ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorize inquiry from company XXXX XXXX XXXX
Product: Mortgage

I am writing to file a formal complaint against Citizens Bank concerning their handling of the mortgage assumption process for the property located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. This issue has caused me significant distress and financial hardship, and I am seeking your assistance in resolving this matter. 

On XX/XX/XXXX, my mother passed away after a XXXX XXXX XXXX XXXXXXXX. During her XXXX and subsequent passing, I suffered from XXXX XXXXXXXX, which further complicated my ability to manage her affairs promptly. Despite these challenges, in the following year, I contacted Citizens Bank to initiate the process of assuming the mortgage for the property. 

Citizens Bank provided me with the necessary paperwork to assume the mortgage, which I diligently filled out and mailed back, along with all required documentation, including a copy of my mothers death certificate. Additionally, I visited the bank in person to ensure they received the death certificate and to confirm my intentions to assume the mortgage. 

Since XX/XX/XXXX, citizens Bank has failed to respond to my assumption paperwork. I have made numerous attempts to follow up, including sending multiple faxes of the documents, all of which I have confirmation receipts for. Most recently, on XX/XX/XXXX, Citizen Bank acknowledged receipt of my fax, yet I have still not received any further communication from them. 

The property is currently in disrepair, requiring significant maintenance such as a new roof. However, I am unable to obtain a HELOC to address these issues because Citizens Bank has not processed my mortgage assumption. Despite holding a claim deed and trust agreement indicating my sole ownership of the property, Citizens Banks inaction has left me unable to secure the necessary funds for repairs. 

In addition, Citizens Bank has clearly violated the Garn-St. Germain Depository Institutions Act of 1982 as well as other federal consumer protection laws. These laws require a bank to work with the surviving spouse of a family member who inherits a home with a mortgage, and in many cases, entitle to inheritor to assume the mortgage. Citizens Banks failure to adhere to these regulations has cause undue hardship and delayed the necessary transfer of mortgage responsibilities. 

This situation has caused me considerable stress and financial strain, and I believe Citizens Banks lack of response and failure to process my paperwork in a timely manner is both negligent and unjust. 

I kindly request the CFPB to investigate this matter and compel Citizens Bank to expedite the mortgage assumption process so I can obtain the necessary financial resources to maintain the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/XXXX & spoke to a rep by the name of XXXX & she assured me that NO ONE from Experian verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XX/XX/XXXX. I also contacted the XXXX XXXX Federal Court on the same day & was also told that NO ONE from Experian verified any type of bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Appears I was victim of ID theft, credit card number I do not own and I did not authorize used at XXXX on XXXX for XXXX purchases. XXXX canceled sale. Appears thief generated a credit card with my ss #, since one item was approved and shipped. Put a freeze on my credit at XXXX  and XXXX, can not do so via the automated service at Experian, they say there is some problem with the info. Perhaps thief registered there and used false info. Can not reach a live person at Experian to figure out what is going on there. So far the false card has not appeared on my credit report, but it takes a month or so is my understanding. Also Experian forces you to give them authorization to sell your info, even if you just want to place a freeze. Additionally they want you to write them ... they are very diffcult to deal with and if someone has stolen my information I need to know as soon as possible. I also need to be able to place and remove a credit card freeze online at their site, not by mail.
Product: Debt collection

I retained a copy of my credit report and saw a derogatory mark for a collection in the sum of {$1700.00} from XXXX XXXX representing XXXX. I sent a formal letter to XXXX XXXX   disputing the collection and requesting " validation '' ; that is competent evidence bearing my signature on a contract. 
XXXX XXXX failed to provided me with a copy of any alleged contract or viable evidence, bearing my signature, showing the account is being reported accurately. 
I stated in my letter the debt is inaccurate and failure to " validate '' should result in deletion of debt on my credit reports.
Product: Checking or savings account

On XX/XX/XXXX I reported 12 fraudulent charges over a 3 day period from my Bank of the West debit card totaling {$710.00}. I reported these fraudulent charges virtually through my Bank of the West account portal, then orally with a Bank of the West representative and then physically through a mailed affidavit requested by Bank of the West. 

On XX/XX/XXXX I received noticed via mail that Bank of the West deemed the charges as authorized. I called the Fraud Prevention Analyst. XXXX, from the notice letter to understand how the investigation deemed them as authorized. I was told that since I still had the card in my possession and it was not reported as stolen that it was deemed authorized. Knowing my rights, I requested the information used in the investigation. 

I left 2 follow up voicemails with the analyst which were never returned. I finally got in touch with the analyst on XX/XX/XXXX and again requested the information used in the investigation. He said that it would take 90 days for me to receive the reporting. 

It's XX/XX/XXXX I have yet to receive any information used from the investigation.
Product: Vehicle loan or lease

The lease was in a bankruptcy and discharge but still putting it on my credit report as late.15 U.S.C . 1681
Product: Credit reporting or other personal consumer reports

Ive been calling this company for over two months because I cant access or monitor my credit file at all and no one can access it. Ive been a victim of identity theft and I cant even sign up for monitoring services. Ive called over and over and they kept saying give them 72 hours and itll be back online and active and it still didnt 2 months later. Im requesting an investigation into this company for misinformation and mishandling people information and credit file. They say the office of consumer affairs is handling my file but all I ever get is someone over seas who doesnt speak clear English and say they can transfer me and they are the highest point of contact. I had a potential employer that I lost out on because they cant access my credit file so thats a salary of {$150000.00} that I lost out on. They say contact their business office but that department have no idea what they are talking about when the employer tried to reach out
Product: Credit reporting or other personal consumer reports

Accordance with the fair credit reporting act Transunion has violated my rights 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions. 15 US code 1681a Definition ; rules of construction- exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions of experiences between the consumer and the person making the report. 15 USC 1681b- Permissible purposes of consumer reports- Hard inquires are not an open account that is on my credit report. Hard inquires are to be removed.
Product: Credit reporting or other personal consumer reports

To XXXX and Equifax, Please check the following account as it is showing as balance is overdue and late. This is not true. The account is in fact paid on time and paid in full. Please verify this information as this account has always been on auto pay until account was fully paid. Please do not report inaccurate transactional experiences to my report. Late payments are detrimental to me as a business owner and consumer needing credit at a moments notice. I appreciate your time to help with this matter. 

AFFECTED ACCOUNT XXXX XXXX XXXX XXXX
Product: Consumer Loan

This duplicate case is in reference to complaint no. XXXX. The attached documents are XXXX credit reports pulled on XXXX XXXX, 2015 and XXXX XXXX, 2015. 
The XXXX XXXX report shows a total balance of {$280.00} with an on time account, last paid in XX/XX/2015.In XXXX 2015, the new report shows the following inaccuracies that show the Company BACKTRACKING information.The last payment shown is in XXXX 2015 and the charge off is shown as disputed. I never disputed the charge with Toyota or any credit companies. I was working with the CFPB and can be quoted on an XX/XX/XXXX call with TFS as having said so. Also, how can an account in 15 days, go from on time status to charge off with no notice or communication to me? The XX/XX/XXXX bill was sent 15 days later and nearly five months after I returned the car to the dealership and reached out to them immediately, asking them for the balance due ( even though my XXXX 2015 credit report showed {$280.00} ). After months of TFS and the dealership telling me they are " trying to figure it out '' they finally sent me the bill on XXXX XXXX, while at the same time without notice put me into collections. I should have had enough time to cut them a check. 

According to the Fair Credit Reporting Act, " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. '' I want this removed from my credit. After that is completed, I will pay off the total balance owed on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting this CFPB complaint will be my XXXX CFPB Complaint to be submitted requesting the exact same request over and over again for the last 6 months! When will the Credit Bureaus be able to remove the disputed accounts and information completely from my Credit report? Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File! However, despite the countless CFPB complaints and Dispute letters that I have been submitting, the Credit Reporting Agencies have not complied with the implied Federal statute and decided to ignore my requests. Since the Credit Bureaus have been claiming that the disputed items belong to me, I have been requesting copies of proof of verification or proof of ownership or any documents bearing my signature to prove the Credit Bureaus claims. However, these requests have also been ignored and yet the Credit Bureaus still indicate the disputed items as verified! Which is just ridiculous! This will be may last attempt to request to the Credit Bureaus to remove the disputed items otherwise I will be filing a lawsuit. Once again, I was a victim of identity theft and the following items which I believe to be resulted due to identity theft be immediately removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for and was approved for the Citi XXXX XXXX XXXX XXXX XXXX card which included a promotion of getting a statement credit applied to my account for a phone I bought on this card through XXXX XXXX XXXX, and I would also have a 0 % APR on purchases through XXXX XXXX XXXX after meeting the requirements. I have confirmed via online chat through Citi 's website that I met the requirements XXXX different times, both times they stated the credit should be applied within XXXX billing cycles. I met all requirements in XXXX and have still not received a statement credit. I have been charged interest on the balance I have left, which has been less than or equal to the XXXX XXXX XXXX purchase, which qualifies for the 0 % APR for 7 months. Citi has misled me multiple times and at this point I 'm unsure if they are working to resolve my situation.
Product: Checking or savings account

My name is XXXX XXXX and there is several fraud charges from Tagged on my cash app debit card I barely use from XXXX to XX/XX/2023, totaling XXXX .Its my cash app I use for my businesses. After reviewing all my banks and transactions. Ive been a victim of identity theft and my personal info is on the dark web. I have filed a police report, ftc report and had to change cell phone providers and change my DL number due to this unfortunate events. Ive since had to close my cards and change phone carriers for two of my businesss due to fraudsters accessing my phone service account. Ive had several bank accounts hacked and this has been financial hardship on my businesses and personal affairs. I been reaching out to cash app annd tagged and filing fraud and dispute claims and they been denied saying based on the information they received the transactions are not refundable or fraud. When I ask for proof I dont hear anything from them. Ive submitted ftc and my local police fraud report and still no response I reached out to tagged and asked for proof to be sent to me of the fraudulent charges and I have not heard from them to remedy this issue I learned of it in XXXX. Im not sure what to do next. My XXXX account was affected too due to fraudulent charges from tagged merchant and I disputed with tagged for those transactions and they refunded me so why not the transactions on my cash app account. Since then Cash app has took my card without me knowing and I had to chat with two representatives who could not tell me why? Ive had to find another way for my clients to pay me and this all an inconvenience my business. cash app shares info in accordance with its Privacy Policy. Under the " WHEN AND WITH WHOM WE SHARE YOUR INFORMATION '' : They state they can share with others with my consent For example : At my direction or as described at the time I agree to share ; When I authorize a third party application or website to access your information. I would like to give my consent for cash app to share any account details with CFPB. Thanks. I have attached cash app statements I was able to download to show ownership of account.
Product: Debt collection

I checked my consumer report and notice a major error an account from SEQUIUM ASSET SOLUTI, I am not liable for this debt to XXXX XXXX, and I do not have a contract with SEQUIUM ASSET SOLUTI. this is a violation of 15 usc 1681c- ( a ) ( 6 ) information excluded from consumer reports this is a violation
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. Account XXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00}
Product: Credit reporting or other personal consumer reports

There are XXXX ( XXXX ) private student loan accounts on my credit report that I have tried to have corrected with XXXX, XXXX, TransUnion in the past. The account/tradelines show payments past-due since XXXX of XXXX  by 120 days to 180 days. This is impossible because the accounts are in deferment and/or forbearance. I provided the communications between the lender and myself, yet the CRAs have continued to report the accounts with delinquent payment history. A statement from the lender, dated XXXX XX/XX/2023, is attached. The statement notifies me of forbearance and/or deferment approval and status.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$880.00}.
Product: Checking or savings account

Went to Wells Fargo and XXXX XXXX XXXX to open a checking account, they denied me to being able to open account. I got a report from XXXX XXXX and nothing is on file. I go a report from back and got denied but it doesn't say why I am being denied. I have ran XXXX credit file and I see nothing that would impact me from opening a bank account.