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

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
XXXX XXXX XXXX XXXX XXXX Balance {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

mortgage company pulled incorrect insurance cost from insurance company that was 10x correct amount and added it to escrow, thus overcharging me monthly by XXXX the charge was adjusted but is still XXXX too much. fay servicing will not take responsibility or correct the issue.
Product: Debt collection

Two people one saying they were calling from " XXXX XXXX XXXX '' and another from " SKO Brenner '' repeatedly call my minor child to collect a debt she does n't owe. To make matters worse they call her at school during her final exams in violation of the FDCPA. They 've also called myself, her mom, who also does not have any debt.
Product: Debt collection

I received a debt collection request whose creditor is XXXX  XXXX XXXX. I don't owe the debt ( I don't even have an account in XXXX XXXX XXXX XXXX. Last year when they tried to collect the debt through some debt collector ( I forgot the name ), and I disputed it. However this year, again, they send me a collection letter, from a different collector, MRS BPO, L.L.C.. 

I don't owe the debt, and I have disputed it. So I don't understand why they send me another debt collection.
Product: Debt collection

I applied for a mortgage and was notified by the lender of this collection account. I called the collection company and informed them that this is not my account. They attempted to verify me and provided the address used located in XXXX Tx which is not my address and is in no way associated with me. They refused to remove the account via phone. I have never done business with, spoken to, rented from, nor have I had any communication with the company for which this debt is owed, XXXX XXXX. This is also impeding on my home purchase process and is affecting my livelihood and credit reports. I need this account removed immediately.
Product: Money transfer, virtual currency, or money service

COMPLAINT ID XXXX COMPLAINT ID XXXX To whom it may concern, Referencing the above complaint IDs, I received the attached response/letter by Bank Of America stating that they have denied my request to refund my money back and that I should just contact the person who I sent the money to which is by far the most unacceptable response by BOA. 

They well understood that this contact number which I provided them the phone number which FTC has put a recording to indicate that this contact was harassing consumers with fraudulent identity to take payments from them and there is no way I can contact this person to get my money back so this is a joke by bank of america to state in their letter to contact this person which they knew was a fraudlent identity which they should have caught within their own banking system as stated in their service level agreement. 


As mentioned in the complaint ID XXXX in much details, BOA failed to follow their own service level agreements which stated per attached document I copied their print screen of service level agreement states that at times Network Banks will put a hold on a transaction to validate the identity of the sender or receiver to avoid fraud identities of sender or receiver. This wasn't done in this  case and BOA knows about many of these fraudulent XXXX transactions and yet haven't done much to protect their consumers and haven't follow their own service level agreement in place. 

They also told me that they have indicated on their site to only use XXXX for friends and family. Which by the way there is not such a direct and forceful statement nor content in place anywhere on their site. It is also noted that XXXX can be used by businesses, which also contradicts their own excuse that they have advised consumers to only use XXXX for friends and family. 

I need your help to get my {$700.00} dollars back from Bank Of America and please make sure to have this matter to be investigated for class action law suit against BOA who have introduce a system to their consumers that they can not provide protection against fraudulent identities which they have indicated in their own service level agreement as per attached.
Product: Credit reporting or other personal consumer reports

I found that there are some unauthorized hard inquires on my Experian and XXXX Credit Report that I did not authorized this includes XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX Bank. I called XXXX and XXXX to file a dispute, by they have ignored my complaints and the hard inquires remains.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked them for proof 2 months ago and they never responded my mail or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries : 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 card

I apply for an American Express Platinum card XX/XX/XXXX, the open bonus is XXXX MR bonus points with XXXX purchase in the first 3 months. I fulfill the requirement and get the bonus more than 2 months ago. But just 3 days ago, The American Express take the XXXX points off my account, which is not reasonable.
Product: Credit reporting or other personal consumer reports

I recently opened a credit card and due to mohelas Credit reports they have reported me as deliquent for loans i never took out on my behalf dating XXXX to XXXX years ago. I am XXXX XXXXXXXX XXXX and my credit score went from XXXX to XXXX this can jeapordize my life and im furious. I tried to call several times they do not answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Experian via phone and online several times over the past several days to dispute fraudulent activity on my credit report and place a security freeze on my report.

Every attempt to place the freeze online will not go through ; every attempt to call results in the line being disconnected by Experian.

I have attempted to process a dispute online on my Experian Membership account, and the " Dispute Can't Be Processed Online '' and provides a phone number. I called AGAIN, only to be told by XXXX, XXXX XXXX   ( XX/XX/2018 XXXX ) that he " could '' not access my report and refused to provide me with any additional information.

I want access to my report, to be able to dispute incorrect or fraudulent information on my report, and to place a security freeze on my report as I have been a victim of identity theft in the past, which is evident by the extended fraud alert currently on my credit report.
Product: Student loan

I have been paying my student loan now for 20 years. This past XX/XX/2018 I submitted my application to qualify for the public service loan forgiveness program. I had been paying my loan for 120 consecutive months as well as being a full time XXXX XXXX. My application was rejected. When I called the Department of Education they informed me that the type of loan I had with Navient did not qualify. When I spoke with Navient, they said that I was not in their public service loan forgiveness program. They informed me when I started paying my loan 20 years ago they were not a part of the loan forgiveness program. But when they did have the option for people to enroll in the loan forgiveness program, the option was NEVER offered to me. Several times they had me enroll in their forbearance program but never once informed me within the 20 years of me paying them that I had the option of the loan forgiveness program. All these years I thought my loan with them qualified for the public service loan forgiveness program, only to be told after 20 years it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, 2022 XXXX XXXXXXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX, 2022 XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXXXXXX XXXX, 2022 XX/XX/2022 XXXX XXXX XXXX XXXX, 2022 XX/XX/2022 XXXX - XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX, 2022 XX/XX/2022 XXXX  XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Equifax under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXXXXXX {$1000.00} XXXX XXXX {$2600.00}
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 XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX 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: Checking or savings account

On XX/XX/2022, I received a Chime visa debit card in the mail that I did NOT apply for but appears that someone else did. I tried calling Chime at the number on the back of the card at XXXX, but there is no way to reach a human representative through their automated phone system. I tried calling The XXXX XXXX at XXXX only to be put back into the Chime phone system. On XX/XX/2022 and XX/XX/2022, I emailed XXXX to report the fraud and close the account. I've only received automated responses that my request has been received and is being reviewed by their member services team. 
On XX/XX/2022, I filed a fraud report with the XXXX XXXX, PA police department. 
On XX/XX/2022, I confirmed that my fraud alert is still active on my XXXX account. The fraud alert is also on XXXX and XXXX. 
I am a victim of fraud and identity theft. Chime will not respond and close the account. I do not want to activate the debit card and have no way to verify if there is any activity on the checking account.
Product: Credit reporting or other personal consumer reports

I never gave these companies the right to run my credit report and it was run many times without my consent or knowledge, upon reaching out to the credit bureaus they did nothing to remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I.C. systems claims i owe them for a cable bill i never had, i asked them to send me documents showing that i owe this so called bill with my signatue on paper work or a voice recording proving i signed up for this service, and they have refused to provide any proof of this bill being mind. 
As i have told them numerous times on the phone i'm a current XXXX  customer with active service so its not possible to owe them when i'm a current subscriber.
Product: Debt collection

This debt collection company is calling my cell phone which is used for my current employment. Thus, they are calling me at work during the day and night on my work phone.
Product: Credit card or prepaid card

I received an alert from my credit card company that a new inquiry was made on XX/XX/2022. This was a hard inquiry from Bank of America. I called Bank of America and was told a XXXX account was opened. I have not nor made any credit application since XX/XX/2022. This was a fraudulent account opened with my information. Bank of America was advised and has closed this account. I also contacted XXXX as well and notified them of fraud activity. I was advised to also report this to FTC.GOV which I am doing now. I asked Bank of America what information was used such as mailing address, email and phone number but was told they could not provide the information. 

Ant investigation into this would be appreciated. Please advise me if further information is needed.
Product: Bank account or service

Synchrony Bank of XXXX Florida created a fraudulent bank account in my name and issued an Amazon credit card that was used to purchase a XXXX laptop computer. I was never contacted about the creation of this bank account or issuing of the credit card.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmedinformation without producing proof within the legal time range. XXXX XXXX XXXX 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

XX/XX/year>, I got a call, he said that he was a FCC employee, hes name was XXXX XXXX, his work number was XXXX.He said on XX/XX/XXXX, XXXX time in the morning XXXX, I opened a new XXXX XXXX XXXX  account, phone number was started XXXX, the number was sending spam fraud and financial institutions all over the country.He asked me if thats me or did I know what about it. I said no. I dont know.He suggested me call XXXX XXXX police station and report it.and then the spam was starting.the officer said that I was in XXXX XXXX Wanted people.Because I was a suspected person in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had a account, its XXXX XXXX dollars money laundering case. So they would have to arrest me and frozen all my bank accounts and come from XXXX arrest me.XXXX XXXX XXXX, I was XXXX  and scared. I called FCC for help, the operator told me, they would not call me, they would send me mail .AND they would not speak XXXX to me. The operator said she didnt know whos XXXX XXXX XXXX and she was only accepting a case number. I called XXXX XXXX XXXX, checked under my name weather any phone number opened or no, XXXX XXXX XXXX said No. For communication, they asked me download XXXX and XXXX XXXX. I did. I showed him, my drive license. He asked me, my banking name and, banking account information. I didnt get him the full account number, I get bank account last 4 numbers.
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 Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX  ( Experian & XXXX ) XXXX ( XXXX ) XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ( XXXX ) XXXX, Account name : XXXX XXXX XXXX ( XXXX ) XXXX, Account name : XXXX XXXXXXXX ( Experian ) XXXX, Account name : XXXX XXXX  XXXX ) XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX ( Experian & XXXX ) XXXX ( XXXX ) XXXX, Account name : XXXX XXXX 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 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MEDICAL XXXX
Product: Money transfer, virtual currency, or money service

I filled a complaint against Cash app ( Block , Inc, ) due to to inadequate customer service and unfair practices, which violate the consumer Financial Protection act ( CFPA ). Specifically, Cash app failed to take timely and effectively measure to prevent and address fraud on their platform, leaving my account venerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) AND regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

This account was fraudulently used. The balance on my XXXXs report is incorrect. Please clear this matter up ASAP.
Product: Vehicle loan or lease

The vehicle was traded in but still shows as active loan on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Removal of Late Payments Ally Financial Account Dear TransUnion Dispute Department, I am writing to formally dispute the late payment notations on my Ally Financial auto loan account that are being reported on my TransUnion credit report. The details of the disputed account are as follows : Creditor : Ally Financial Nature of Dispute : Inaccurate or unfairly reported late payments Under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ) and related federal laws, I am requesting that these late payments be removed from my credit file based on the following legal grounds : 1. FCRA ( 15 U.S.C. 1681 et seq. ) This law requires that all data reported to credit bureaus be accurate, fair, and verifiable. If XXXX XXXX can not provide verifiable proof that these late payments were reported in full compliance with federal law, they must be removed.

2. 15 U.S.C. 1666b ( Credit Billing Act Timing of Payments ) This law mandates that payments must be credited on the date they are received. If XXXX XXXX failed to properly process or credit my payments in a timely manner, the reported late payments may be inaccurate and must be corrected.

3. FCRA 1681s-2 ( a ) Duty of Furnishers This section places a responsibility on data furnishers ( XXXX XXXX ) to report only accurate information and correct any inaccuracies once notified. If these late payments resulted from an error or reporting failure, they must be removed.

Request for Action : I am formally requesting that TransUnion : 1. Conduct a full investigation into the reported late payments on my XXXX XXXX account. 

2. Obtain verification from XXXX XXXX proving the accuracy and legitimacy of these late payments. 

XXXX. If the late payments can not be verified with legally sufficient documentation, remove them immediately from my credit report. 

Under the FCRA, XXXX has 30 days to complete this investigation and provide me with a written response. If these inaccurate late payments are not corrected or removed, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action if necessary. 

Please send me written confirmation of the results of your investigation at the address above. If any additional information is required from me, please contact me in writing. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX