23daVinci/CFPB_Complaints huggingface dataset:
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 NumberXXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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

Bank of America closed my account without even notifying me. My account which is in good standing was frozen on the XXXX of XXXX and I went in and they refused to give me my {$800.00}. I am XXXX and I have a mere income of {$790.00} per month. Please help me get my money I owe the bank nothing. I have a disconnection notice from the electric company and have no money to give to them. I am XXXX years old and can't work. How do I recover my money I really need it they won't even tell me why they closed my account after more than 20 years being a valued customer. Please respond quickly I have no money
Product: Credit reporting or other personal consumer reports

this is the second time i am reaching out for help. I resubmitted a dispute through the mail and CFPB to the credit bureau back on XX/XX/2024 and it seems as if nothing was done.Experian FAILED to address my issue. They responded stating that " the disputed item is not currently showing on your credit file. I have attached a copy of my credit report below with the Fraudulent account Highlighted for reference. I am a victim of identity theft. I sent the required documents they asked for which were a copy of my driver 's license, FTC report, and social. There is still information on my consumer report that is a result of identity theft.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( items ). 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

This company is unethical back in XXXX I was going through the process of buying a house. During that time I was informed by my lender that I had to close my business account and transfer everything to my personal account due to my business failing in 2020. This requirement was via the lender and is what I needed to do in order to get approved. As requested I reached out to all my creditors in a timely manor to ensure no late fees, or payments we're associated with my account during this process. I reached out to Grain Technology in early XXXX to inform them that I will need to switch my account to another one to continue paying them on time because this account was completely virtual and everything was handled through my account. Not only did Grain not reach back out to me they sent me multiple broken links to change over my account and when informed of these broken links I would only get an automated message. I went through extreme lengths to reach out to them even via their social media and I would only get someone saying they will reach out to me. I also have seen that this is a common practice and MANY people have been trying to reach out to them because of this my account is marked as 60 days late when I have been trying to reach out to them constantly for at least 3 months. At this point I've done my due diligence and now my credit has taken a huge hit all because they do not have the adequate customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL DISPUTES WITH EXPERIAN, I HAVE TRIED SEVERAL NUMBERS ONLY TO GET THE WRONG PROMPTS.I AM VERY FRUSTRATED WITH A BIG BUREAU SUCH AS EXPERIAN TO HELP LET ME EXPLAIN WHAT IS BEHIND MY REASONS FOR DISPUTING ANY CHARGES.I WOULD APPRECIATE IT GREATLY IF YOU COULD PROVIDE SOME ASSISTANCE IN THIS MATTER. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit card or prepaid card

US Bank XXXX XXXX After having this card for unemployment for months and not having issues all of the sudden the locked my account and said they need to verify its me with a selfie. They locked all of my funds that Im using to support my family right now due to being unemployed from the Pandemic.
Product: Debt collection

This is a complaint about a change in the XXXX date of delinquency from XXXX XXXX with XXXX credit Bureau. The original XXXX date of delinquency was and is XXXX XXXX as shown on the excerpt from my XXXX credit file I will attach dated XXXX/XXXX/XXXX but on the XXXX report dated XXXX/XXXX/XXXX the XXXX date of delinquency has been changed to XXXX XXXX. It is the same account number and same account balance. These date have been deliberately changed so that this item does not drop of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  , Inc. RE : XXXX XXXX XXXX XXXX . I have a check that was deposited in XX/XX/2019 for {$9500.00} .The check was held for over a week and cleared my account then in XXXX it was said to be a duplicated deposit?? I do not know what that is and how do I check and see if someone has done something to my account? How can a check be deposited twice?? It was deposited at a different branch in the XXXX XXXX XXXX branch. My account is XXXX checking. I have already sent a dispute over a year ago with no response or follow up!!
Product: Payday loan, title loan, or personal loan

This isn't from a store. It's from a bank called fifth Third Bank. 
During the Pandemic, I am on unemployment and collect a partial retirement check. Now this amount has not changed for approximately a year. The unemployment is XXXX every two weeks and my partial retirement is XXXX. Unfortunately, my bill also has not changed. Therefore, on a regular basis I was borrowing money to meet my financial needs. 

Therefore, I applied and was approved to receive XXXX dollars in advance of which I have to pay back. This is unfortunate and since the pandemic an on going situation. Therefore, when I receive my XXXX it automatically goes my " XXXX XXXX XXXX XXXX ''. Therefore, they deduct XXXX from the XXXX that I owe. which leaves me with a balance of XXXX. Now, what I normally do is borrow the XXXX back to add to my checking account. Then can use my unemployment to pay bills. 

Unfortunately and periodically, they would change the amount that I can borrow. They would bring it down to XXXX. Therefore, when I get my usual unemployment money they still have the outstanding amount XXXX. Which would then be deducted from the XXXX unemployment amount. Which will leave me the usual amount XXXX. But, they will add XXXX plus XXXX to equal XXXX which my new balance. Then would calculate that I would not be able to receive back my usual amount of XXXX. Instead, I can only borrow XXXX. Therefore, I am out of XXXX. This money is badly needed to pay my bills. 

So what's the problem? 

1. I regularly receive the same amount each month. So, why is this bank periodically changing the amount I can borrow? If my income was fluctuating then I can see the fluctuating approval amount. But, I still receive XXXX every two weeks and XXXX once a month. 
2. They automatically take my money and hold it for two days before it's credited to my account. If the money comes on a Friday I usually have to wait until next week Wednesday or Thursday before I see my money in XXXX XXXX Account to borrow XXXX 

3. When they lower the amount that I can borrow, what happens to the rest of the money? I get no statement showing where that money went. It just disappears. I have lost a lot of money and no accountability to what happened to this money. 

4. I have no control of my money once it hits this bank. I would like to have a payment plan to periodically pay off this loan. Instead, all my income is pulled and some of it I can borrow. 

Fifth Third Bank Address : XXXX XXXX XXXX, XXXX Fl XXXX Head Loan coordinator XXXX XXXX email XXXX 53.com
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, XXXX have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 

PROHIBITION : a law or regulation forbidding something As stated by the IRS, Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the XXXX accounts XXXX is reporting as charge-off accounts being inaccurate! 

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX, are a furnisher of information to a consumer reporting agency. Per this regulation I stated, XXXX by law is prohibited to furnish inaccurate information. XXXX is not doing nothing about it and it is effecting me and my family. 

I have attached my TransUnion report and highlighted the XXXX charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the The Fair Credit Reporting Act, XXXX XXXX account ending in ( XXXX ) has violated several of my rights. 
15 U.S.C 16681 Section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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. Remove these account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporti
ng Act. 



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

Update my personal address for the 11th time requesting an update. I have been told by phone reps with Experian that the address is up to date. It should be listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX our mortgage was taken over by Shellpoint Mortgage Servicing. we have had this mortgage since XXXX with XXXX XXXX XXXX. Our monthly payment was {$190.00}, which was automatically deducted from our account at XXXX. In XXXX I set up these deductions to go to Shellpoint Mortgage. In XX/XX/XXXX I received a statement Shellpoint showing my mortgage payment was {$240.00} a month and showed our payments were not being applied and we owed {$880.00} for past due charges. I contacted Shellpoint and was told to continue making payments, that this is due to their backlog after taking over the servicing on the mortgage. In XXXX we started receiving delinquency notices. Again, I contacted Shellpoint and was told by XXXX to continue making payments and he would get this resolved. On XX/XX/XXXX we contacted Shellpoint requesting a supervisor XXXX XXXX, and was told everything would be fixed within 7 to 10 days and we would receive paperwork stating this information. As of XX/XX/XXXX no paperwork has been sent and we are still receiving delinquency notices fees of {$880.00} I have called XXXX XXXX every day from XX/XX/XXXX to XX/XX/XXXX always the same, on a call leave a message, and no call back.
Product: Debt collection

I never received any clear communication from the debt collector Designed Receivable So for any debts that were incurred. I disputed the collections with all 3 credit bureaus and they still failed to update any current dispute status on my reports. it shows that they last updated the accounts 3-4 years ago? I feel my rights have been violated. 
The collection accounts that I have been disputing are all with Designed Receivable So. I researched my rights and here is what I have found. 
According to 15 USC 1681i XXXX, XXXX XXXX XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. These accounts were disputed directly with the credit bureaus on XX/XX/2022 and XX/XX/2022, and as you see in my attachment no status updates as of my recent disputes. My Rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened a loan with Kikoff. I only had a credit builder account which I assumed was closed in 2022. I assumed thats where my payments were going to. In XXXX I got notification that my account was 90 days late due to lack of payment on a loan that I never opened for XXXX dollars and that my account was closed. The company keeps saying that someone logged into my account and approved it! I did not. I filed numerous complaints and a police report. I am being held XXXX and my credit continues to suffer.
Product: Credit card or prepaid card

There are multiple fraudulent charges from XXXX appears on my accounts. I never made any transaction with XXXX on this account. Citi had send me 3 replacement credit cards number with new numbers each time as shown in timeline below, but it does not resolve the problem. 

All fraudulent transactions are shown as " XXXX XXXX CA Digital Account Number XXXX '' - XX/XX/2020, I received a new card ending with XXXX and activated it due to Citi suspect of other fraud activity. 
- XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$9.00} - XX/XX/2020, I reported to Citi and Citi send me a new replacement card ending with XXXX - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020 - I activated my card ending with XXXX. 
- XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020 - I called Citi again and got forward to Fraud department, the representative said that they blocked all XXXX transactions and should never happened again and send me a new card ending with XXXX ( Reference number : XXXX ) - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$15.00} - XX/XX/2020, I called Fraud department and was told that they can not do anything and they will call me back tomorrow ( Reference number : XXXX ) - XX/XX/2020 : I called Citi again and was forward around for 2 hours back and forth between Fraud department and eService department. 

I have been routed to the following departments but was forward back and forth and seems like noone at Citi know how to deal with this issue. 
- Security Department : Just replace me with new card number. 
- Fraud Department : Believe that this is virtual card number and forward me to eService departments. 
- eService Department : Told me that this is " Paypal digital account number '' and I need to talk to XXXX. However, XXXX also confirm that they don't know about any account number ending with " XXXX ''. XXXX told me that they can only block the number if I know full credit card numbers. 


I have spent more than 10 hours of my time dealing with this issue and I expect the following action from Citi ASAP : - Provide me with full account number of XXXX account number ending with " XXXX '', so that I can tell XXXX to block the number. 
- Prevent digital account number ending with " XXXX '' from being able to charge to my credit card. 
- Remove all XXXX transactions from my account and prevent any XXXX transaction from happening again ever.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I was not aware of them, and the company did it without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan with XXXX XXXX for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
Experian, XXXX  and XXXX have been reported to with these invalid dates.
Product: Credit card or prepaid card

Not only does their website and app still not properly function, but I also can't use a debit card to pay. They offer the option, which is incredibly misleading, but interestingly the option doesn't seem to work when you try to use it. Funny enough, the only option they offer that actually works is using your bank account, which takes 3-5 days to process a payment and can end up bouncing back in the process, especially if you live paycheck to paycheck. Interesting.
Product: Checking or savings account

I found out on XX/XX/XXXX that my checking account was blocked since XX/XX/XXXX. 
USAA did not provided an explanation for their actions, but I was told to use a www.usaa.com/idproof address to submit a picture identification document for processing to unblock the account and, stated that it should not take more that 3 days to unrestrict my account. 

Following their instruccions, I submmited my XXXX passport as a proof of a picture ID and placed a call on Tuesday XXXX to confirm receipt. I was told that by Thursday XX/XX/XXXX my account restriction would be removed. 

On Friday XX/XX/XXXX the account was, still, blocked. 
I decided to submmit again my ID proof. Late afternon, I found out that they are now using the submition placed on XX/XX/XXXX to add another 3 working days to free my account. In doing so, USAA are increasing the days to removed the blocked placed. 
I requested that they expedite process because I needed to have access to my Social Security XXXX check and to settle bill payments for the month end. 

I hold that account for 17 years with an impecable record. Also, have an excellent consumer credit rating for all these yeas doing business with them. 

All I am getting is excuses and adding working days to solve the problem. A simple two day issue has become two weeks now. 
In the meanwhile, my money and SS check is unjustifiable locked by USAA.
Product: Debt collection

I had no idea who this company was. I never signed a contract with this company nor did I recieve any notification even though I don't owe debt to them. This company was put on my credit report for two bills that were already paid to the original creditor!! I never owed these people anything. The original creditor is XXXX XXXX XXXX XXXX thru XXXX XXXX. As soon as XXXX reached out to me I paid it. I knew nothing about the bill until then.
Product: Debt collection

IN VIOLATION OF TCPA ( SEE ATTACHED LIST ) CALLED ALL NUMBERS WORK, CELL, HOME AND OTHERS INVIOLATION OF TCPA
Product: Credit reporting or other personal consumer reports

Told them account not mine Asked for proof Sent me back information thats not mine and the social they have is wrong and phone numbers on here is also not mine I sent copies of identity theft and police report and And now im sending proof of correct social and ID. Again!!!!!