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

Ive noticed multiple unfamiliar accounts on my credit report that I believe were added without my permission.
Product: Student loan

i am being charged an extra XXXX dollars on my student loans that Nelnet nor the XXXX will assist with finding out why. Loans were consolidated and put as additional loans on my account and i did not consolidate. Both companies have stated that they have no record of an application being completed for the consolidation. i have a print of of my loans and they add up to an estimated XXXX plus interest of XXXX would equal XXXX but my loan account is showing XXXX no answers have been given and nothing has ben done between both entities. Please assist with this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TransUnion, youve consistently failed to comply with the FAIR CREDIT REPORTING ACT and now I have no choice but to FILE A LAWSUIT AGAINST YOU. Pursuant to 15 U.S. Code 1640 ( B ) - Civil liability class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; I, XXXX XXXX, am aware of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX TransUnion LLC CFO, racketeering activities and The maximum criminal penalties for violating RICO include a {$25000.00} fine and imprisonment for 20 years. 

These penalties are imposed on top of the criminal penalties resulting from two or more substantive offenses that the individual or organization has committed in the 10-year period. 

Penalties Under the RICO Act, A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. 

Im aware ALL party ( s ) mentioned above and agent ( s ) have willfully and intentionally violated my rights and has violated the FAIR CREDIT REPORTING ACT as dated on XX/XX/2022, I have given written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and all party ( s ) have failed to comply now I have no choice but to FILE A LAWSUIT WITH PREJUDICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting

XXXX account on my equifax report is incorrect it is a duplicate of an account that has been paid and closed. XXXX had XXXX accounts reported for the same address same account number with XXXX different open dates. I opened a account in XXXX of XXXX and requested dte to close the account in XXXX of XXXX due to me moving. XXXX sent the account to collection for XXXX that was paid to XXXX XXXX XXXX XXXX. Soon after that I received another collection notice saying I owe XXXX this account have been paid and closed. The account they are reporting that opened in XXXX XXXX is a duplicate and should be removed. How can I have XXXX accounts opened for the same address. The account opened in XXXX of XXXX is no longer on my report. The XXXX XXXX account is incorrect and should be removed immediately.
Product: Mortgage

On XXXX/XXXX/2016 my elderly mother XXXX XXXX XXXX sold her home. I am her son and Power of Attorney XXXX XXXX. As part of the process we needed to close out her Home Equity Line of Credit with " M and T '' Bank ( Line of Credit Account Number XXXX ). After much difficulty we finally got a letter from M & T with instructions to pay {$33.00} as the discharge and satisfaction fee. We paid this amount immediately, and it posted to her account on XXXX/XXXX/16. I then made several attempts to have the account closed to no avail. Finally a branch person, contacted the Home Equity division at my request and she assured me that the loan would be closed. I waited 2 weeks and still the loan was not closed. I again contacted my branch person and she checked again with the Home Equity division and discovered they had taken no action. Finally on XXXX/XXXX/16 my branch person emailed me saying the loan was closed, but still there has been no recording of the loan closing made with XXXX XXXX. We paid the {$33.00} discharge fee and expect that the closed loan would be recorded with XXXX XXXX. Please help make this happen.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an
incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting

TransUnion 's database has my social security number linked to another persons name. This was confirmed from XXXX who is XXXX of the creditors denying me credit because they already have me with a credit card through them when in fact that it is n't me. I have contacted TransUnion and was told that all their information on my credit report is correct. Which in fact my credit report is correct it is their database that is incorrect and they refuse to fix it. They refused to give me phone numbers or other contacts in their company so this can be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit score has been blocked from all monitoring sites by Equifax since XX/XX/2021 when it was at XXXX. I am the victim of identity theft from my storage being broken into and im also trying to purchase a house to get my family out of the bad situation we are in due to the coronavirus. I have made numerous attempts to call Equifax and rectify this situation but those attempts have failed. I have been told things like its a technical issue but they can see my information on their end, or that I have no lines of credit on my credit report which I know is a lie because I have credit cards and loans on my report, or the problem is I need to sign up for the upgraded package and I did and that didnt work because of the block they have on my account, and the latest excuse was I need to submit proof of my identity because I have 2 Address on my account so i sent this information 3 weeks ago and was told this information was all I needed to restore my account. I called this week and was told the documents was unclear and to send them again which I did and I am still not able to see my reports and they are still blocked on all sites. My XXXX account was deleted because Equifax will not continue to provide my score and this is the reports real estate companies need to approve the house. All I want is my score restored because I have no idea way it was blocked in the beginning. I have sent all documents to prove my identity so please fix this immediately on your end.
Product: Checking or savings account

Wisely by adp wont let me have access to my money. I have called them multiple times and they basically are not letting me pull my money out of my account so I can pay my rent. Every day Im late is {$100.00}. I requested a new card so I could have access the account but its been over three weeks and I have yet to receive the card and even though this account has a routing and account number they still are not letting me have access to the account without a card.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.
Product: Debt collection

My XXXX account indicated that there is a collection record reported to XXXX credit bureau by : THE RECEIVABLE MGMT XXXX XXXX XXXX, XXXX XXXX XXXXPlaced for collection : XX/XX/2015XXXX : $ 84Original Creditor : XXXX XXXX XXXX have been living in XXXX XXXX for the past three years, I do n't live in XXXX!!! my " trash service '' is included in my current rent where i currently reside. 
This is simply not mine!!!
Product: Credit reporting

I recently went to a HUD approved home purchasing counselor and had a detailed credit report pulled, there were approx. XXXX negative marks on my credit report from a company named XXXX. There were no account numbers associated with this collection agency or any contact information for them. I Googled the name and I found a XXXX number. I also found multiple lawsuits against this company for illegitimate practices as well as negative rating from the XXXX. I tried to call to find information on what accounts their negative marks were regarding and after having to repeat my ssn multiple times and being told I was not who I said I was since I could not verify the address they had in their files, I was then hung up on by a supposed supervisor. These " outstanding '' accounts are from what I was told medical bills, however, I have never received a single medical bill or collection notice and my address has been the same since 2001. I have had the same doctor since I was XXXX years old, I am now XXXX and have yet to receive a phone call or bill for any services. I have never been notified of any outstanding balaces from my physicians office and should not have any outstanding balances of any kind. These alleged accounts that I can not find any information for are drastically affecting my credit score and need them removed as soon as possible.
Product: Payday loan, title loan, or personal loan

The Santander consumer financing -Santander must pay {$65.00} XXXX in restitution to be divided amongst the 33 states and the District of Columbia . Over XXXX consumers across the settlement states will be eligible for this restitution. 
-You must have a gotten a loan with Santander between XX/XX/XXXX and XX/XX/XXXX this valid information from - https : //www.santandermultistateagsettlement.com/Information-for-Consumers? XXXX and I XXXX XXXX XXXX XXXX live in nc and opened my loan with these guy sometime in XXXX. 
I definatly qualify but haven't received any notice.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing this letter in response to the recent credit report I received that shows a debt allegedly owed to Bridgecrest XXXX I am requesting that you provide me with all legal documents that prove the validity of the debt in question. 

As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it. 

I would like to point out that this account has been closed and the past reporting date has passed. Therefore, if you can not provide me with the requested documentation, I am requesting that you immediately remove this debt from my credit report. 

Under the Fair Credit Reporting Act, I have the right to request validation of the debt before it is reported on my credit report. Therefore, I am requesting that Bridgecrest provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and I am requesting the immediate removal of this debt from my credit report. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft submitted multiple requests to have fraudulent accounts removed from my credit report have submitted identity theft report from ftc listing fraudulent accounts as well as a police report and they still refuse to delete and block the accounts from my report I have provided all that's required by law to have them removed and they still won't remove them I don't know what else to do
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

XXXX XXXX {$8900.00}
Product: Checking or savings account

I am a Bank of America customer for last 24 years. However, I am surprised by the scam run by them. 

On XX/XX/XXXX I signed up for a CD with Bank of America. account # XXXX. 
The interest rate on the application was 5.00 % APY. for a term of 7 months. The interest payment is monthly and the method is reinvestment. 
I filled the application online and verified my credentials at Bank of America branch at XXXX XXXX XXXX XXXX, XXXX CA XXXX. 

The online CD account itself is not accessible for information. It shows a number/amount with no details about the CD. 

On XX/XX/XXXX, this CD matured and auto-renewed. No email or documentation was sent to me at the time. I was on travel at the time and could not visit the bank personally. However, I expected the bank of send me correct information or provide access to that information online in their app. 

On XX/XX/XXXX, I received a letter saying that the fixed term CD will mature on XX/XX/XXXX. Again in the note, there is nothing clearly stating my interest rate. 

I went to the bank branch in XXXX, CA, today ( XX/XX/XXXX ) to figure out my next steps regarding the CD. 

This is where I learn that the original CD interest rate of 5.00 % APY was changed at the XX/XX/XXXX, renewal to 0.03 % APY. This resulted in a significant financial loss to me of almost {$3000.00}. The interest rate at Effectively Bank of America is running a scam. They are getting folks to sign up on CD 's with promising interest rates ( 4 % to 5 % ) for the first term, and then renewals at near 0 %. This is resulting in losses to investors in the CD and also significant loss of trust of the Bank of America- who is reputed as a good bank. Not anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Student loan

My federal loans were transferred to Nelnet during the pandemic. I applied for the SAVE program because this was supposed to help lower my payments. My monthly payment more than doubled! Prior to the pandemic, my payments were just under {$200.00}. My new payment through SAVE is {$450.00}, and I simply can not afford that each month. 

Now I have only a few weeks to figure out how to make my payment because I just learned last week what my new amount was. The issue here is their customer service. I work full time M-F and do not have time to sit on hold with Nelnet. I've made three attempts to contact them via phone, and I'm on the phone trying again. Each time I've been on hold for over two hours. I do not have the time to sit on the phone for more than two hours while I'm at work. But I desperately need to actually speak to a person to figure out my options. 

The fact that they provided my new amount with such short time and no way to get a hold of anyone needs to be addresses. Thousands or even millions of borrowers are trying to do the same thing, and we're all screwed. 

Please help! 
XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing this negative item that is not 100 % up to par on my credit report for some time now. Equifax is disregarding my dispute and continues to report the item in violation. This is unfair to me as a consumer.
Product: Credit reporting or other personal consumer reports

FOR CFPB ( EXPEREMENTAL ) 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. 

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

15 U.S.C. 1681, section 604 ( A ), states : It also states that 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 include in any consumer report any 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 ) states : 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracing these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I write in connection with the Discover Card ending in XXXXThis charge off account is present on my credit report. The presence of this tradeline is in accurate. I submitted multiple disputes with the credit bureaus all of which were unsuccessful. I contacted Discover directly. Discover 's " proof '' that I was the obligor on the account was the existence of the bills. Discover provided no other evidence that I actually applied for the account. The existence of the monthly bills, in and of themselves, does not constitute proof that I am the actual account holder. Discover has never provided proof that I actually applied for the account or that I made payments.

It my position that I am not indebted to Discover Bank because I did not apply for or benefit from the goods and services provided by Discover Bank. I attach the monthly bills sent by discover It appears that origin of the Discover account in question relates to the XXXX XXXX XXXX # XXXX XXXX, California XXXX. I have no association with this address. Additionally, the mailing address was changed to a PO Box address in the last stages of the account. 


This account was opened without my consent in XXXX of 2014. The entire lifespan of the Discover Card account was less than 2 years. The account was used and benefitted by the identity thieves and discarded. In a short amount of time, the identity thieves abandoned the account.
Product: Credit reporting or other personal consumer reports

improper use of credit reporting with company inquires not made on my behalf.
Product: Credit reporting or other personal consumer reports

I been having trouble getting this both invalidated and inaccurate information removed from my credit report. I keep getting disregarded by this credit bureau.