23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Case Number : XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

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

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

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

On XX/XX/2018, I was scammed of {$400.00} by a lady and a man at an atm. They used a fake check. I noticed almost immediately and followed them and was able to get the mans ID and phone number. I called the police and I have a police report. I gave the police report to the bank because the fake check bounced back and I was left with - {$430.00}, the {$35.00} was the overdraft fee because I did not have that money in my checking account when they scammed me. Bank of America closed my accounts and i had to pay myself the - {$430.00}, I did pay because I understand that it was my mistake to believe these people. Now I'm left with a bad consumer report and I can't open another checking account with any bank, I understand my mistake but I have paid off the money I owed and I have a police report as well. This will not happen again, I just need to be able to remove this bad report on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed Transunion, XXXX and XXXX reporting Acct Number :XXXX Basis for the dispute : XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XX/XX/XXXX Unknown XX/XX/XXXX  Unknown XX/XX/XXXX 30 days late XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE TransUnion Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 days late XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 Days Late XX/XX/XXXXCollection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately
Product: Credit card or prepaid card

On XX/XX/2018 I missed making a Citi Card payment because my father passed away unexpectedly. Citi Card contacted me that week and let me know I missed my payment and asked if I was in a position to make a payment. I said yes and made a payment over the phone of {$150.00} which was over the min amount due. The balance on the card was at a little over {$500.00} and my credit line was {$3300.00}. Without my knowledge or any notification Citi Card reduced my credit line to {$770.00}. When I called today ( XX/XX/18 ) to see what my outstanding balance was I then found out they reduced my credit line. When I spoke to the 1st customer service rep I was told the reason why my credit line was reduced was because XXXX  showed I was seriously delinquent on another account I told the rep this was completely wrong and I wasn't delinquent on any accounts. When I told the customer service rep this information was wrong I was told to file a report with XXXX   but there was nothing they could due, I asked to speak to a mgr. After going through 3 different depts. and speaking to 6 different  people I finally got to XXXX ( employee number : XXXX ) in client service escalations. He told me he reviewed my XXXX   credit report and agrees there is no negative reporting but the only was he would be able to restate my full credit line was to take my annual income and monthly rent/mortgage amount, complied and gave him both. He asked me to hold and came back after a few mins and said that even though Citi made a mistake he was unable to fix the mistake and restate my full credit line because my debit to income ratio was to high. I explained to him this mistake it now effecting my credit score and could negatively effect in other ways and what is he going to do it help, he told me nothing. I also explained to him that this was the 1st time I was ever late on this card and the reason I was late was because I was dealing with the death of my father. He said unfortunately there was nothing he could but put a note in the file and a supervisor MAY or MAY NOT review the file and MAY or MAY NOT call me back. I let him know I expected a call back and I was filing a complaint with the CFPB
Product: Credit reporting or other personal consumer reports

My account was charged off as of XXXX XXXX. Opp Loans charged off my account and placed the debt with a third part collections agency. However, after the charge-off they did not provide me with my 1099-C as required for any amounts over {$600.00}. Opp Loans is actively refusing to give me my 1099-C and continuiung to make collection efforts even after charging off the debt in XXXX XXXX. 

I have contacted Opp Loans myself on multiple occassions, to request the 1099-C, as only the original creditor can issue that document, and I have been told they will not issue me a 1099-C even though, the account is charged off on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to poor customer service and unfair practices, which violate the consumer financial protection act. Cash app failed to take the proper measures in a timely manner to address the fraud in their platform, which lead my account to be vulnerable and unprotected. Their dispute process was unfair and deceptive as they did not comply either error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the rights 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 any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX '', has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it as soon as possible.
Product: Credit card or prepaid card

I have a Paypal account for years, today XX/XX/19I noticed a significant decreased on my credit score. After reviewing my credit report I found out that my Paypal account was reporting to the credit agencies as a credit card account. I contacted Paypal and was advised that they started it to report to the credit agencies since XX/XX/2019 ( This is the 1st time I see this account from Synchrony bank on my credit report ) According to the representative Synchrony bank took over Paypal. It shows on my credit report I'm over my credit line over {$500.00} and is affecting my FICO score. I told the associate over the phone I was never ever advised that I had a credit line for my paypal account or what my credit line was. She couldn't provide me with anything in writing, I'm at the middle of refinancing my current home and this significant hit on my FICO score will prevent me from refinancing. I just made a payment to bring my account under the credit limit.
Product: Mortgage

On XX/XX/2020 I was charged {$670.00} for an appraisal fee. In the documentation it does not say I will be charged regardless of the appraisal takes place or not. I did not request it to be canceled as it could be transferred to a new lender under FHA protocols Bank of America canceled my loan application due to bias information that was conveyed to the underwriter from the lending agent XXXX XXXX NMLS : XXXX and now they are refusing to return the full fee. I have written documents that do not say i will be charged regardless. This is miss information on Bank of Americas part and i want to be compensated for the turmoils created by the company.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I became the victim of a {$100000.00} INTERNATIONAL WIRE TRANSFER SCAM. This money was my ENTIRE life 's savings. The fraudster impersonated XXXX law enforcement ( where I used to go to college ) and told me my SSN had been compromised. In order to be assigned a new SSN, I needed to transfer my funds to a bank in XXXX XXXX, specifically the HSBC in XXXX. HSBC 's address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The recipient 's information is : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I submitted a recall request on XX/XX/XXXX with XXXX XXXX XXXX to no avail. I also found out that there are at least TWO MORE VICTIMS involved in this crime, although their funds were transferred within the U.S., as opposed to internationally. I have alerted : The XXXX Police ( where I live ), the XXXX XXXX XXXX where this took place, HSBC ( formal complaint ), the XXXX XXXX Police, the ic3 ( twice ), the Criminal Investigation Division ( CID ) of the Texas Comptroller of Public Accounts, the FTC and the Texas Attorney General. There is still NO resolution. Every time HSBC responds to XXXX XXXX XXXX, they simply say they are waiting on a response from the beneficiary to get debit authority. My guess is the beneficiary will NEVER respond to HSBC since all their contact details are FAKE. HSBC allowed the fraudster 's account to be opened using false details. The bank was purely negligent in allowing the transfer to take place, as well as failed to conduct sufficient checks. Simply put : HSBC COULD HAVE PREVENTED THIS CRIME FROM BEING COMMITTED.
Product: Debt collection

SS # XXXX XXXX XXXX Passport # XXXX Todays date XXXX My name is XXXX XXXX XXXX XXXX XXXX HAVE DISPUTED THIS FRAUD ACCOUNT MULTIPLE TIMES XXXX DEMANDING A DELETION OF THIS WHOLE ACCOUNT ACCOUNT NAME CONTRACT CALLERS INC ACCOUNT # XXXX I ASK FOR AN ORIGINAL PURCHASE AGREEMENT THAT INCLUDES XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX, & XXXX XXXX XXXX XXXX XXXX THE CONTRACT TOGETHER. That has not been provided, I ASK COMPANY THE TO PROVIDE VALIDATION OF DEBT FOR I HAVE NOT SIGNED AN AGREEMENT WITH CONTRACT CALLERS INC CONTRACT CALLERS INC HAS SENT ME A LETTER THAT DOES NOT PROVIDE SUFFICIENT INFORMATION THE LETTER DOES INCLUDE ORIGINAL-PURCHASE CONTACT the debt is not mine!!! 
DUE TO THIS FACT THIS ACCOUNT MUST BE REMOVED AND DELETED IMMEDIATELY XXXX XXXX Code XXXX - Purchase agreements XXXX XXXX Code XXXX - Validation of debts XXXX XXXX Code XXXX - False or misleading representations XXXX XXXX Code XXXX Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting

My credit score as produced by Experian and reported by XXXX is incorrect. I filed a complaint ( case # XXXX XXXX with your agency to force XXXX to report the correct information to Experian. XXXX sent me a letter dated XX/XX/2016 XXXX page # XXXX of enclosure ) verifying my student loans are paid off. Furthermore, a representative from the office of the consumer advocate, XXXX, phoned me on XX/XX/2016, to confirm that my " zero balance '' was reported to Experian. However, my credit score is showing " the balance amount paid down on your open student loan accounts are too low '' ( seep page # XXXX and # XXXX of attached ). This information is false/inaccurate as my loans were paid in full as per the Navient letter dated XX/XX/2016 and as confirmed by the XXXX advocate on XX/XX/2016.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION BEING REPORTED:

EQUIFAX
1. The following personal information is incorrect
Name: XXXX XXXX
2. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX
3. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX XXXX XXXX:
1. The following personal information is incorrect
Name: XXXX XXXX  2. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX
3. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX XXXX XXXX  1. The following personal information is incorrect
Also Known As: XXXX
2. The following personal information is incorrect
Also Known As: XXXX
3. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX
4. The following personal information is incorrect
Employers: XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I get a text that Citibank have transferred {$3000.00}. I did not have such amount of money. So I went to Citibank to ask what this text was, thinking it was not real. They then show me that my entire savings account got transferred to my checking account. Then they showed me that I had taken a {$14000.00} personal loan and then a {$3000.00} check plus loan. A total of {$23000.00} was wired out into an account in XXXX XXXX XXXX. I did not have any knowledge of this. And did not consent to any of the wire transfer. 

Citibank then opened an investigation but denied me twice that it is a fraudulent activity. They did not return the money. Citibank said that they are leaving messages with XXXX XXXX XXXX, where the wire transfer received the amount of money, to return the money. No response from XXXX XXXX XXXX. On XX/XX/2022, Citibank Loan Department said that it was under investigation for fraud activity and that we are not responsibility to paying for the loans ( total of {$17000.00} on loans ). Then on XX/XX/2022, Citibank did an autopayment on the loans. When we called, they said we can not dispute it and they can not change the autopayment and will be taking money from the account. 

Citibank has been telling us different things each time we call them and has not updated us on anything. We do not have any information about the loan or the wire transfer. No one can help us or have enough training to understand what to do. We only speak to the supervisors on the wire department and the loan department. Each time, they are surprised by the information, like it is their first time hearing about it. No one can help us follow up and each time, they contradict each other 's departments words.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased 1 car XXXX  for my son used with XXXX miles on it and then a year later I purchased another XXXX exactly the same except for the miles. The first XXXX I paid down more to have less financing the second one was fully financed. I was paying off the one car with my XXXX XXXX account monthly with out an account number. When the other car needed payments I oaid the same way no account number.  BMW was not using the payments toward the other car which caused a 120 late payment which then appered on my credit report. I am asking BMW financial services to remove the 120 late payments. The cars are paid in full.
Product: Credit reporting or other personal consumer reports

Was impacted by a purchasing scam, XXXX " XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX, entered into a lease and purchasing contract, he abandoned my property and cost me over XXXX dollars in payments and stolen property.
Product: Credit reporting, credit repair services, or other personal consumer reports

called Nissan motor, car loan on my credit reports shows closed and they keep updated every month up to date with C/O TILL this date
Product: Credit card or prepaid card

I was on a XXXX XXXX from XXXX XXXX until XXXX XXXX. I submitted my XXXX Orders to AAFES via mail in order to request and receive the XXXX Benifits on my Account. The Exchange Credit Program offers XXXX benefits to all eligible XXXX XXXX and Mobilized or Activated Reservists or XXXX XXXX XXXX Members who have valid orders to deploy to qualifying contingency locations. While I was XXXX, I would still be able to make purchases, but I would not be required to make monthly payments and my interest rate should have been temporarily reduced to six-percent ( 6 % ). After my XXXX ends, my interest rate reverts to the rate in the current Exchange Credit Program XXXX XXXX and I would be required to make monthly payments as long as my account still has a balance. I contacted AAFES every month about this issue, and have continued throughout the duration of my XXXX and every month afterwards via mail, and email. This caused a significant financial stress, and caused me to fall behind in my other bills because I was not anticipating to have to make the monthly payments for the entire year of the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and inquiries listed below are fraudulent. These are unautherized I did not contact any of these creditors, nor do I have possession of any of the things belonging to these accounts and inquiries. Please remove these accounts and inquiries. I was told to fill out this FTC document that is attached to this complaint. I have also attached my ideninfication to this complaint, to help ideninfy me. Please remove these accounts and inquiries below as they are fraudulent and someone has stolen my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to rectify this issue directly with Pen Fed, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off listing, transactions and experiences on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate.
Product: Mortgage

My mortgage is with ocwen. They have denied every modification that we have applied for. Since the last modification I have indicated that I want to sell the house thru a short sale and i have sent XXXX offers. To date, I have not hear from them. On today, I called them XXXX for them to give me an update. I started calling XXXX about XXXX and as of right now I am no further than I was this morning. Ocwen has held my life hostage with this mortgage and they want continue to lie cheat steal to myself and family. This is not a game to me but the obvious is to them. I want to either get a modification or sell rhis property. I NEED SOMEONE ON MY SIDE RO GET A RESOLUTION. PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : XXXX, XXXX, Transunion.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have called Credit Unions at XXXX XXXX  in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX  , XXXX , Transunion with no updates yet.