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

Exprian, XXXX XXXX, XXXX. Has cause damage to my Honorable name XXXX XXXX XXXX reporting XXXX accounts in XXXX XXXX XXXX XXXX and Social Security XXXX XXXX I XXXX XXXX XXXX, XXXX man, Secured XXXX Creditor ( UCC XXXX No XXXX XXXX ) XXXX XXXX XXXX is XXXX that XXXX XXXX XXXX XXXX their records and recording be changed to reflect perfect XXXX XXXX per XXXX XXXX XXXX XXXX credit needs to be extended per my Constitutional Rights. If any documents are need for proof of XXXX provide email and written notice. Thank you for up holding your Oath to the XXXX
Product: Credit card

I tried to dispute a fraud charge on my XXXX XXXX Wells Fargo credit card and the bank even allows the unauthorized transaction happened over my limitation. Never got any notification ( text, call, nor email ). And its almost my payment date and they r asking me to pay the whole amount of it will hurt my credit score. However, from what I learnt from other banks they will lock the fraud transaction and I dont need to pay it until the case was solved and it wont hurt my credit score. Wells Fargo just ignore my question and hoping I pay all of the amount ( the amount above my limitation ) and their service people are rude and un-trained
Product: Debt collection

Fraud has been committed on my XXXX XXXX which violates the FCRA and FDCPA. NCB MANAGEMENT SERVICES , INC. is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required *purchase agreement* Evidence that you are a licenseded debt collector *Chain of Title* Proof your are license to collect a United states debt and enjoy it *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all XXXX  activities and have the tradeline line deleted from my XXXX Report. Also see attached letter
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry from XXXX XXXX XXXX on XX/XX/2022 showed up on my credit report. 

I have contacted the business on XXXX, XXXX, 2022 with no resolution. 

I have contacted the credit bureaus ( Equifax and XXXX ) on XX/XX/2022 with no resolution. 

The credit bureaus stating they can not remove inquiry from my report. 

Please help me resolve this issue in getting fraudulent information off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency Southern Management and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

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

I am a victim of Identity Theft following the data breach involving XXXX. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent. On XX/XX/XXXX XXXX publicly reported a significant data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potential other personal sensitive information. Based on this breach, I have reason to believe that my personal data was compromised and used to open unauthorized accounts in my name. These fraudulent accounts consist of personal loan accounts opened with XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal loan account opened with XXXX XXXX on XX/XX/XXXX, personal loan accounts opened with XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a personal loan account opened with XXXX XXXX  on XX/XX/XXXX, a personal credit card account opened with XXXX  XXXX XXXX XXXX XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card opened with XXXX  on XX/XX/XXXX a personal credit card opened with XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX as well as personal credit card accounts opened with XXXX XXXXXXXX on XX/XX/XXXX and on XX/XX/XXXX, hard inquiries with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX on XX/XX/XXXX, with XXXX XXXX XXXX  on XX/XX/XXXX, with XXXX XXXX via XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, with XXXXXXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XX/XX/XXXX, with XXXX XXXX on XX/XX/XXXX, with XXXX XXXXXXXX on XX/XX/XXXX and on XX/XX/XXXX, and a hard inquiry with XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections, closed accounts, multiple fraudulent hard inquiries appearing on my consumer FICO credit report and even having to file bankruptcy. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints XXXX XXXX XXXXXXXX ), ( XXXX XXXX ), XXXX XXXX XXXXXXXX ), and ( XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and there's unauthorized inquiries on my credit file. I'm demanding immediate removal of these unknown and unauthorized inquires. Please remove these immediately. 

1 ) XXXX  XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and XXXX data breaches. I filed a claim with XXXX and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXXXXXX XXXX XXXX {$10000.00XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$120.00}
Product: Debt collection

In accordance with the written instructions of the consumer to whom it relates. 
XXXX us XXXX b Consumers right to privacy
Product: Student loan

I received my email from the US Dept. of Ed Borrower Defense regarding XXXX % discharge of my student loans. The email said to contact the servicer to make sure your address is correct for any potential refunds. I called them 5 times today. Their phone system is in such bad shape, that they all sounded like they were on a space ship on XXXX XXXX and XXXXXXXX XXXX! I told them this several times. I heard every 2 to 5 words because the phone was so bad. None of them were able to fix it. So apparently it's a company problem. Why don't they just shut down their phone system???? Good grief! I tried to get a supervisor too to see if that was an issue on their phone too. Never got one because I couldn't understand anything any of them were saying. One Rep named XXXX, repeated my SS # out loud, when I got angry with her for not being security minded or well trained, she decided to hang up the phone! Glad I got her name! This is likely the worst company I've ever had to deal with regarding my student loans! XXXX XXXX was way better, more professional. This company is absolutely pathetic! My fingers are crossed that I do not have to deal with them going forward when this discharge is taken care of.
Product: Checking or savings account

My payment account for paying a bill was changed without my approval. This has happened twice. Yesterday I got the bank to deactivate the my second account from the bill pay service ( I never activated it and do not have the ability to activate or deactivate the account myself ). But this was just a work around to try to prevent the issue from happening again. Their system is still broken and they are suggesting I am making the change using their website. 

Today I noticed a bill was paid twice from their system. From the bill pay system, it only showed 1 time in the history even through it had already cleared the bank. They completed the transaction electronically and not using checks. So it was not because the receiver processed the check twice. The representative acknowledged they are aware of their system sending transactions on the incorrect day, but did not acknowledge the lack of recording transactions. 

Both these situations mean this bank is changing banking transactions as well as not recording them correctly.
Product: Debt collection

In XX/XX/XXXX a debt was brought on against from Bonneville collections for about {$600.00} and is now {$910.00}. They have repeatedly harassed me with fake court documents and the most recent on XX/XX/XXXX a former supervisor of mine was served with papers by a sheriff from an attorney representing Bonneville collections to garnish my wages after 5 years since they served me with fake papers which the XXXX XXXX XXXX confirmed were indeed fake. It is my understanding that before such legal actions to garnish my wages can occur that I must be served with certified court documents first. This debt is ridiculous in the first place and should be removed as it stems from dental visit in which I was left with a fractured XXXX in my mouth XXXX not a common XXXX fragment ) and was lied to about it and the dentist chose to try and cover it up by prescribing me almost XXXX pills for the pain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash I failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable 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 the Regulation E. These actions caused significance inconvenience emotional distress, and financial loss and I seek to appreciate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Mortgage

Regarding Fay Servicing LLC. With our XXXX payment, we included an additional {$1100.00} to increase the balance in our tax escrow account. It was noted as an additional payment on the remittance coupon. Fay did not credit to the Escrow account, rather, applied it as a " Principal Reduction '' payment. On XX/XX/XXXX, I contacted Fay regarding their error. I was promised that it would be corrected. Despite an additional phone call during the week of XX/XX/XXXX, the error remains uncorrected.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

TransUnion posts m y credit score but the credit factors they use say information unavailable. How can TransUnion give me a credit score if they have no information to go by?
Product: Debt collection

TD Auto Finance called me multiple times on XX/XX/2023. XXXX XXXXXXXX XXXX When the lady called for the third time I informed i have spoken to them 3 times already today and I feel I m being harassed the representative continued with questions and stated I didn't want a call which is not what was stated. I informed her of my rights and the law and she continued with her line of questions and I told her the call is being recorded and she don't have the right to harass me she can call tomorrow. I read the law to her and she continued still. She stated she will make note and I informed her I will seek assistant and that is when she decided to end the call. I m aware of my debt and have the intentions to make a payment on tomorrow but I don't want my rights as a individual to be violated.
Product: Mortgage

I lost my house to a fire last year. My Insurance Company disbursed my check and it 's in a escrow account at my financial institution. I am having problems getting timely disbursements and this will cause me to be homeless in the near future when the lease on my rental property expires that is also being paid for by my insurance company, XXXX. My contractors are looking at my mortgage company with disgust, myself included. Ive had all the required paperwork filed for sometime yet I still have to jump hurdles to get any disbursements. This is causing major conflict in the progress of my home rebuild.
Product: Mortgage

On XXXX over ten days from the clients sale date of XXXX a modification package was sent in. ( please see attachment ) On XXXX Pacific Union confirmed receipt of all docs and stated nothing was needed. 
On XXXX XXXX with Pacific Union stated a missing document letter was sent out on XXXX but " had already expired. '' She stated that a letter of explanation was needed for deposits into the homeowner 's bank account. She stated that it was too late to send it. The Letter of explanation was sent that same dayPacific Union was called on XXXX, XXXX and they stated that they did not have receipt of docs as of yet. That it can take up to 5 days. The first time the initial package was faxed and emailed in, it was received that same date. It was very apparent that the lender was purposely avoiding acknowledging receipt of the documents in order to foreclose on the home. The documents were not only sent in a timely manner, but the fax confirmation and email were kept as record. 
On XXXX Our office once again spoke with XXXX who stated there was still no update. When asked what the delay was on receiving the documents she rudely stated the following- " You are not the only one in the world attempting to do this. '' A supervisor was requested but she claimed all were in meetings and no one was able to assist on the file. XXXX stated that the home would go to sale on XXXX as the review of the modification would not postpone the sale date. 
On XXXX the homeowner received a letter dated XXXX stating the loss mitigation package was received. That the deadline to send in the Letter of Explanation document was XXXX which has not yet expired.. 
Pacific Union has stated one thing in writing and their employees are stating something else verbally. It is very apparent that Union Pacific was rather not assist XXXX XXXX. Furthermore, Pacific Union is discriminating on XXXX XXXX based on his race, national origin, and ethnicity. XXXX XXXX is requesting a fair review with no discrimination or he will assert his legal right in district court.
Product: Money transfer, virtual currency, or money service

I have had paypal for about a year and i havent been able to apply for their debit card even though i am a paypal cash plus account member. They refuse to give me a valid reason. I think they are just being systematically XXXX
Product: Checking or savings account

My debit card information was hacked some time last year, and the scammers made repeated online purchases over multiple months, all while my husband and I were suffering with multiple health ailments that rendered us both physically and mentally XXXX 

I discovered this bank fraud when I attempted to withdraw money from an ATM to purchase my medication, only to find my balance was significantly lower than Id seen previously. My husband and I immediately went to the banks manager to report the fraud. We were assigned multiple case claim numbers, and one of them was XXXX. 

Unfortunately, less than a week after we reported this, my husband 's XXXX XXXX XXXX worsened significantly, and my health continued to decline. 

Due to our ongoing health issues, I was unable to check my mail in a timely manner over the last 6 months, as I was in and out of the XXXX XXXX  and physically out of state for a substantial amount of time. 

My husband just passed away this week, and it was only yesterday while my daughter was in town, helping me sort through mail after the funeral, that I found that Bank of America did not find error with {$2900.00} worth of purchases citing that these transactions were reported outside of the timeframe regarding claim XXXX. I was told to contact the merchants directly, but how do I contact vendors/merchants I never made purchases from? I am not sure if any other letters like this exist, or what other fraud purchases were not refunded. 

As I perused more mail, and tracked down the statements with these fraudulent transactions, I am dismayed that company wide advertised fraud protections were not employed in my case. Had any fraud protection methods been used, we would not see XXXX online charges per statement to the same companies XXXX XXXX XXXX XXXX XXXX loans, and online vendors ). Why did Bank of America allow these to occur each month without freezing my account, especially given that I have NEVER made these types of purchases before, and NEVER used my card online, for fear of this very thing? 
How is it possible to have 6 cell phone payments on one statement? Or 8 gym memberships? Or XXXX  loans paid off in someone elses name, that I have never even heard of before? I feel victimized due to my age, health, and XXXX, and further more, unprotected as a loyal bank of america consumer. 

I could really use your help here as this has been deeply traumatizing and is only causing me more stress and grief, worsening my current state and expediting my demise. 

( written with the assistance of my oldest daughter )