23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was XXXX  from XXXX-2020 to XXXX-2020 and during that time my Navy Federal debit card was used fraudulently for the following transactions : XXXX WITHDRAWAL {$1000.00} XXXX withdrawal {$300.00} XXXX withdrawal {$62.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$140.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX XXXX XXXX   {$240.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} Ive sent the bank a letter from the XXXX  stating the days I was XXXX  along with the police report and was still denied. I went to a branch location today ( XXXX-20 ) and was told by a Navy Federal associate who was on the phone with the Navy Federal fraud department and was told the reason I was denied was because the PIN number was used but according to the Electronic Funds Transfer Act that is not a reason to deny a fraud claim. The only way for my claim to be denied is if I wait too long to notify the bank of the fraudulent transactions which doesnt apply to me because I notified Navy Federal within 1 day of noticing the transactions because I was XXXX.
Product: Debt collection

My wallet was stolen back in XX/XX/2021 that possessed my social security card, my iD, & XXXX $ cash I go to apply for credit but have a negative inquiry on my credit balance of XXXX $ I believe. I HONESTLY DONT FEEL like I have to pay for something I didnt go do. I had to dispute cars that was on my ceredit as well & I dont even own a vehicle I had to dispute addresses I never elven stayed at as a result THIS MEDICAL DEBT IS REFLECTING ON MY CREDIT & Im not able to take out any kind of loan cause creditors do small inquiries to see if they should lend to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I contacted TransUnion about the following negative accountXXXX XXXX XXXX XXXX ( Balance {$1100.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Student loan

My co-signed loan with Climb LLC, was charged off in XX/XX/2024, they would not give me any information on the transferring company, the refused to actually send documents and make statements on the phone that the documents come Via the mail or your email, and after 30 days there is not One single letter from XXXX XXXX XXXX  or Climb LLC with requested information. I continuously speak to supervisors, and they are not supportive, they make statements that I will be reached out to shortly, but no one XXXX is, or calls back about the charged off loan. 
Now XX/XX/2024, they have reopened the loan without consent, without approval, and made a statement that it will be back in my credit after the next billing cycle. 
Climb LLC, charged off, AND Closed the account for this loan, but opened the account and loan up again after roughly 60 days. Without consent or communication with me, or the main borrower
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Experian Credit Report dated XX/XX/XXXX with a report number ( XXXX ). On this report it's reporting that XXXX XXXX XXXX XXXX accounts will be removed XX/XX/XXXX. I recently received another Experian Credit Report showing that these accounts will be removed XX/XX/XXXX.
Product: Credit card

On XXXX/XXXX/2016 I purchased an airplane ticket for the amount of {$1900.00} with my CapitalOne credit card. In XXXX of 2016, I disputed {$500.00}, but the amount actually debited back to the merchant was {$1900.00}. The merchant contacted me immediately, and I explained that this should not happen, but they did send me a copy of the invoice sent from CapitalOne, which shows {$1900.00}. I asked the credit card company multiple times to tell me what it was debited to the merchant and how it can be resolved, but they were not willing to provide me with the actual information. After the merchant threatened to report this to a collection company, because the case was resolved on my behalf for the amount of {$1900.00}, I paid the merchant again the amount of {$1900.00}. I asked multiple times CapitalOne to credit me the remaining of the amount of which they debited the merchant {$1400.00} ( {$1900.00} - {$500.00} ), but they refuse to do that. I am losing faith in receiving this amount ( {$1400.00} ), and that is why I am turning to the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first complaint with experian on XX/XX/2021 about a fraudulent item from XXXX that was on my credit report, I notified the company about the item on my credit being fraudulent and also submitted an cfpb complaint ; since then, the company never responded to my original complaint, another fraudulent item with XXXX  XXXX XXXX has been reported. I've also sent in an notarized identity theft identity theft affidavit stating that I had no knowledge of this account ; but they have not helped me rectify this issue in any shape or form! I also submitted a FTC identity report for both accounts and they still have not helped me.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CI  XXXX XXXX, MI XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

Despite my efforts to rectify the situation, fraudulent accounts persist on my credit report, causing confusion as to why only XXXX of the disputed accounts has been removed. These inaccuracies have a significant impact on my financial status and reputation. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. Additionally, the banks have already agreed to delete these. Not sure why theyre still being reported. Ive talked to each bank, they have my FTC Identity Theft report on file and informed me these accounts would be removed in XXXX days. Not sure why theyre still reporting. I urge you to promptly delete the following accounts from my credit report, as other credit bureaus have already taken action to remove them after discovering errors : XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To whom it XXXX Concern, XXXX reaching out because you are helping XXXX Fin Am put incorrect information on my credit report related to the account below XXXX XXXX Am # XXXX As defined by the IRS XXXX The IRS XXXX a charge-off to be income, either as gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my report isnt accurate. 

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 

According to XXXX5 USC 1681 sXXXX XXXX fin XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. XXXX XXXX that you delete this information from my report right away. 

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific to information is inaccurate and ; the infomation is in fact inaccurate. 

In summary, Ive shown you that this information is wrong, and youve been notified, keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Please Delete form my report immediately Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXX - closed XX/XX/XXXX - {$1700.00} XXXX  XXXX - closed XX/XX/XXXX - {$460.00} XXXXl XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX  - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} ++ All show as written off XXXX
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Formal Complaint Against Bank of America Dear Sir/Madam , I am writing to formally lodge a complaint against Bank of America and its representatives, based on the issues detailed in the attached document. The following points summarize the critical issues and grievances : 1. Due Process Violations and Obstruction of Justice : o The Philadelphia County Court failed to provide due process and obstructed justice by not issuing a judgment or providing notification regarding the motion for judgment that was denied by XXXX XXXX. Despite a certified copy of this motion being available, it was ignored by court officials. 
XXXX. Illegal Sheriff Sale : o An unauthorized sheriffs sale took place on XX/XX/XXXX, without a judgment order. This sale was conducted in contempt of court and violated the scheduling order for a trial pool in XX/XX/XXXX, entered by XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX. Unrecorded Supersedeas Payment Bond : o A supersedeas payment bond, valued at {>= $1,000,000}, was accepted and timestamped on XX/XX/XXXX, but was never recorded on the docket. This bond was intended to secure the estate and its properties. 
XXXX. Fraudulent Actions and Constitutional Violations : o Numerous fraudulent activities were carried out by Bank of America, including a forged deed transfer on XX/XX/XXXX, without the approval of the mortgager, XXXX XXXX XXXX. This deed was accepted by the County of Philadelphia Deed of Records Office despite the lack of a notary stamp or seal. 
o On XX/XX/XXXX, XXXX Police and Sheriff 's officers forcibly removed my family and me from our property without a court order, violating our constitutional rights under the Fifth and Sixth Amendments. 
XXXX. Violation of Judge 's Orders : XXXX Bank of America and its representatives ignored multiple court orders, including the trial pool scheduled for XX/XX/XXXX by XXXX XXXX XXXX and the case management order by Judge XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. Unchallenged Damages and Non-Compliance : o During a conference on XX/XX/XXXX, damages were presented and agreed upon by Bank of America 's representatives. However, these damages remain unchallenged and unpaid to date. 
XXXX. Threats and Intimidation : o On XX/XX/XXXX, my family and I were threatened and intimidated by armed individuals dressed in XXXX Police and Sheriff 's uniforms, demanding we vacate our property. This occurred despite the ongoing federal appeals process. 
I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these matters. Bank of America 's actions have resulted in significant financial loss, emotional distress, and a violation of our constitutional rights. I seek restitution for the damages and penalties outlined in the attached document. 
Enclosed with this letter is the detailed case document for your review. I appreciate your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a list of items that is not correct on all three credit reports! I have listed all the details below. 
XXXX ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} XXXX ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} XXXX ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} XXXX ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} XXXX ) XXXX Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) TXXXX XXXX Account # unknown Amount unknown
Product: Credit reporting or other personal consumer reports

I have asked for proof of verification on this account with Spring oakes they have not provided it they have only validated this debt. I demand these 13 items of proof from the company or I will sue for damages.

1.I want proof that I even own the account.

2. I want proof that you spring oakes has the authority to collect debts in Washington state.

3. I want proof that spring oakes carries a bond. 
XXXX. Proof how Spring oakes assessed the out standing debt.

5. Payment history from the original creditor.

6. I want name and address from the original creditor.

7. I want a copy of the original contract with my signature in wet ink.

8. Chain of title on the debt.

9. Proof you can collect this debt from me.

10. Do you own it or is it a debt assigned to you 11. Copies of all letters sent to me from you and the original creditor. 
XXXX. How much did you buy the debt for if you bought the debt.

13.When was the date of the last payment made on this debt.

You must cease all collection efforts until you can send me sufficient proof of everything listed above.
Product: Debt collection

As a consumer I believe I have the right to ask for verification from any person claiming that I owe an alleged debt. SUNRISE CREDIT SERVICES did not provide me any communication explaining that I could dispute this alleged obligation. It is unfair and deceptive to communicate with me indirectly and harm my reputation, defame my character, and extort me to pay an unverified debt. I never consented to have my non public personal information shared with any debt collector. Please please the consumer reporting agencies and other debt collectors that this is a disputed debt. Failure to do that is a direct violation of the FDCPA provisions. Please see attached.
Product: Checking or savings account

On XX/XX/2020 Bank Of America restricted my account and froze it due to the possibility of fraud. It asked me to review recent transactions and call them immediately. Nothing seemed out of the ordinary. I have tried calling every day ; it is now XX/XX/2020. Every time I call I wait over an hour for no answer. They do not have any other way of contacting them. There is no email ; and their online robot does not help and is not equip to address this type of issue. My account has now been frozen for four days and I can not access or receive any of my money. This is not fair. Their only means of communication is phone and they will not answer. There is no call back number. If you check Bank of America XXXX page everyone is having this issue where they are not answering their phones or customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX FIN SVC XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This card is from XXXX. I had payed it off before cancel my card with Wells Fargo. I had received a letter a little over a year, XXXX, stating the amount owed and that it went to collections. I was just aware of this and in the past I never received a statement or anything. I tried to dispute it and yet it appears on my credit because the bank claims that I still owe this money. I called back maybe in XX/XX/XXXX I called to see what can be done and the collections department said that they couldnt do much because a lot of what I was told was not written in the notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data furnishers
Product: Credit reporting or other personal consumer reports

This complaint is against the company EXPERIAN because it presents the following hard inquirys in my credit report which I DO NOT RECOGNIZE AND HAVE NOT AUTHORIZED to be carried out on my behalf : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Mohela has informed me that I have met the requirements for the XXXX program and should be forgiven for my school loans. I met this requirement in XXXXXXXX XXXX XXXX and have submitted the necessary paperwork. I have waited beyond the 90 day business day period. Many borrowers that have applied well after me have received forgiveness. Mohela has explained that I did meet the requirements and they are waiting on the Department of Education, however nothing has been resolved.
Product: Credit card or prepaid card

I received a credit card statement from XXXX XXXX. 
I called to let them know I didn't open this account. The rep on the phone provided me the address to write a fraud statement to. However she did advise that it was a new account opened on XXXX with my billing address in California with goods shipped to XXXX MD. 
my concern is how or what fraud triggers this company has that a brand new account has a shipping address that does not match the billing address green lights such a thing. maybe if it was an established account sure but this seems like bad controls.
Product: Credit reporting or other personal consumer reports

The following trade lines reflect transaction history which is illegal, per 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$760.00} 15 USC 1681 states that Congress made findings that credit reporting agencies : exercise their grave responsibilities with fairness, impartiality and a respect for the consumers rights to privacy.

15 USC 1681n discusses willful non compliance and liability.
Product: Credit reporting or other personal consumer reports

I can not see or do anything on their website. I can not see my credit score, credit report, manage credit freezes, fraud alerts, or submit disputes. I've requested to have this fixed multiple times. I've also requested that my credit report be sent to me, but it has not been received yet. I've disputed things on my report provided by a third party, but I don't know if they've been removed or not because I can't see anything on their site. I had to pay a 3rd party to pull the information because I couldn't get it directly from them even though it's supposed to be MY consumer report.

They are using my personal information for their benefit while using that same information to cause damage to my report, financial wellbeing, business, and life overall. I'm tired of asking them to do the right thing. I'm tired of asking them to fix their website so that I can see my information. Their response was there's a temporary hold on your account so you can not see anything. It's been like that for months if not a year already. 

They pretend to fix it the same way they pretend to review, validate, and remove disputes. Their power of attorney and right to use my information has been revoked. You're supposed to have accurate information meaning that every credit bureau should have the same exact information with companies, amounts, and dates matching. That is not the case. Remove the information.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I purchased a vehicle from XXXX XXXX in XXXX XXXX XXXX, XXXX, New York in XXXX of 2015. The vehicle was financed by Santander Consumer USA. Neither the dealer nor the bank informed me of the terms of the loan. I later found out that the interest rate was exceptionally high at 21 percent. Since I bought the car I have paid over {$20.00}, XXXX and still owe at least {$26000.00}. I have requested a lower interest rate from the bank. I have even asked the dealer to take the vehicle back in a trade, but they all refused because " the vehicle is overpriced '' they state.