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

Have obsessive amount of inquiries. That I do not recognize or did not give permission put on my credit report. So many that I can not list them all. SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau Is reporting XXXX XXXX XXXX - account XXXX. XXXX is reporting that this account has been verified. This is not true. I not not owe this company and the amount of {$1200.00} showing is inaccurate. XX/XX/2020 is the open date showing which at this time was when the account was opened. This is a credit collection company, not the original debtor. 

XXXX XXXX XXXX - account number XXXX is showing on my report that the account was opened XX/XX/2020 with a {$440.00} amount. This is a fraudulent account reporting. I have no knowledge of this account and have not ever done business with this company in any manner. 

XXXX XXXX Is reporting the XXXX XXXX XXXX- no account XXXX. is reporting that this account has been verified. This is not true. I not not owe this company and the amount of {$1200.00} showing is inaccurate. XX/XX/2020 is the open date showing which at this time was when the account was opened. This is a credit collection company, not the original debtor. 

Both companies are also reporting previous addresses and places of employment. This has been a major part in consistent identity theft over the years.
Product: Debt collection

Rock Creek Capital LLC has shown up in collections on my credit report. 

The collection is under the name XXXX XXXX. 

The company states I owe them {$11000.00} from XX/XX/2021, but this is completely FALSE! 

I dont owe this money, but they are now in the collections portion on all my credit reports. 

I want them deleted from my collections for posting a FALSE collection account with my name.
Product: Mortgage

I closed on my house back in XXXX of XXXX. In early XXXX our note was sold to a new mortgage company, named XXXXXXXX XXXX XXXXXXXX. I bought my home for {$150000.00}, with a down payment for {$4200.00}. I financed {$140000.00} for XXXX years at {$1000.00} per month. When XXXX took over my loan they first raised my monthly payment to {$1100.00}. I was told this was due in part to my homeowners insurance going up. I was told I that I only had to pay this for XXXX months and then my payment would return to normal. When the XXXX months came and went, I was then told that this was my new payment. In XXXX XXXX we received considerable damage from hurricane XXXX. I had made arrangements with XXXX for me to do all the repairs. I am a licensed XXXX XXXX and own my own construction company at the time. In XXXX of XXXX XXXX called me and talked to me about putting me in a new program they had, to help people with problems from hurricane XXXX. This program, as explained by XXXX is to help me by not charging and fees or penalties and have no affect on my credit. In XXXX of XXXX XXXX raised my payment to {$1900.00}. XXXX I was told it was because of my property taxes had gone up. I went to XXXX XXXX court house. I found out that my property taxes had not gone up. I brought this to XXXX. I talked to so many different people there. none of them were willing to truly help me. Then in XXXX of XXXX, I was told by XXXX that the real reason they raised my payment was that, the original company who created my loan, had made some major mistakes. That this will be my payment til the end. I did my research and was told by XXXX, XXXX XXXX and a company who specializes in checking the paperwork from the mortgage companies. That there was no mistakes made. Not when you have all of these protocols in place. XXXX refuses to help me. even when I do get someone there who tells me they will look into the matter for me, plus call me back. They never do. Now they tell me I am XXXX  months behind, which is not true at all. I was told of their Loan Modification, which states I now owe more than when I purchased the house. I am a XXXX XXXX, XXXX because of an XXXX I had to XXXX early from contracting. I am on a fixed income. I can not pay their payment. I am also a XXXX father of a XXXX son. I will lose my home to a foreclosure. I need someone to help me.
Product: Credit card

Celtic bank was opened in my name without my consent in XX/XX/2022 I have not received this card or used this card
Product: Credit card or prepaid card

CAPITOL ONE DEBITED MY BANK ACCOUNT WITH XXXX XXXX XXXX XXXX ON XX/XX/2018 FOR THE ENTIRE BALANCE OF MY CREDIT CARD {$2200.00}.

I NEVER AUTHORIZED THIS PAYMENT AND THEY ARE STATING I MADE THE PAYMENT THRU THEIR IVR AND I NEVER DID NOR DID I CALL. THEY WILL NOT RESOLVE FOR 7-10 DAYS. I HAVE OPEN A PAYMENT INVESTIGATION SINCE THEY STATED I MADE THE PAYMENT.

I HAVE CONTACT MY BANK TO DISPUTE AND STOP PAYMENT. I AM DISGUSTED BECAUSE I AM SIGNING A LEASE FOR A NEW RESIDENCE ON XX/XX/2018 AND MAY NOT BE ABLE TO HAVE MY ENTIRE PAYCHECK RELEASED.

PLEASE ADVISE WHAT STEPS I NEED TO TAKE TO RESOLVE THIS MATTER.
Product: Money transfer, virtual currency, or money service

VENMO has not provided the services advertised regarding cash app money transfers. Everyday I call VENMO to question why my transaction has not posted according to their disclosed time frame of instant transfer and up to three days for standard transfer. It appears they have issues regarding what is considered normal customary transactions vs questionable transactions??? The problem now is they have again blocked my account from allowing instant transfers. I tried to do an instant transfer to my bank, as I have done many times over the past year, and discovered instant transfers were disabled. It was their recommendation to test a standard transfer and once complete, it was possible instant transfers might start working again. The standard transfer was successful and only took one day for the transaction to be completed. Knowing I had to get the remaining money from my VENMO account transferred to my checking account to cover an upcoming mortgage payment, I submitted a standard transfer which was disclosed to occur within three days. A week later the funds did not transfer. They are being withheld by VENMO for no reason, especially having same type transfers occur in the past, for much larger amounts. All VENMO can say is " we are sorry for the inconvenience ''. This issue caused my mortgage payment to be returned because funds initiated for transfer over a eek ago did not process because VENMO blocked the transaction. I have called them everyday and still nothing they can say or do to tell my why they did not transfer the funds??? This has caused an extreme financial hardship because I have been charged a late fee for my mortgage payment and a 30 day late payment reported to the credit bureau. If VENMO would have completed the transfer as disclosed, I would not be having this issue.
Product: Vehicle loan or lease

I had a vehicle loan with Ally Financial. On XX/XX/XXXX, I called the company to request a pay off amount so I can send them a check to pay the vehicle off. I was told that I would need to send a Bank Check, in the amount of {$7500.00}. I went to XXXX bank and requested a Bank Check in that amount and I sent it NEXT DAY ( USPS ) to Ally Financial. According to XXXX Bank, Ally Financial deposited the Bank Check into their XXXX XXXX XXXX account on XX/XX/XXXX. I contacted the company ( XX/XX/20 ) to find out when the title would be released and was told that because it wasn't a CERTIFIED CHECK, it would take 10 business days to clear. I requested that my call be sent to a Supervisor and when it was, I was told that O would be contacted by a member of the Customer Relations team within 3 business days. I was contacted by a member of that team and was told that he would need to " look into it '' and he'd get back with me. XX/XX/XXXX we spoke and XX/XX/XXXX we spoke. He informed me that because it wasn't a CERTIFIED CHECK, there would be the hold placed on the check before the title could be released. I asked to speak with his supervisor because I was informed by XXXX Bank that an Official Check is the same as a Certified Check, in that, in order to have an Official Check issued, cash would be needed to have that issued ( just like a certified check ). He then informed me that " he would need to look into that ''. In the mean while I had spoken to XXXX XXXX and I explained the situation to her. Fast forward to Friday XX/XX/XXXX. In speaking with XXXX XXXX, she informed me that the title was going to be XXXX shipped to me, via XXXX  and that XXXX would be calling me with the tracking number. He never contacted me. I waited 2 days and called BOTH ( XX/XX/XXXX ) JT and XXXX to find out where the title is because it's been 2 days. No response. I called Wednesday XXXX XX/XX/XXXX XXXX, two times ( once at 8:35 and then again at 11:46 ). I received a phone call back from JT stating that the title wouldnt be released until TODAY ( XX/XX/XXXX ) and that I wouldnt have the tracking number until this afternoon. 

Ally Financial has had my title and my cash since XX/XX/XXXX XXXX the date they deposited the Official Check ). They representative should have told me, when I contacted them on XX/XX/XXXX that a CERTIFIED CHECK is what is needed to have the title released immediately. They have refused to communicate with me, providing me with information, regularly, unless I call. The phone calls are recorded so I am sure that you would be able to hear the conversations. My frustrations with this organization and how they conduct business is unacceptable. I am sure that I am not the only person that they have done this to. For them to capitalize on the fact that they dont release titles, all the while tying up a customers monies for weeks on end is unacceptable.
Product: Debt collection

I had no knowledge of this account. 
They never tried to contact me this isn't mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for another vehicle when at the time the XXXX XXXX XXXX im speaking about was paid off in full a check was written out and paid to XXXX XXXX XXXX. Months passed and i realized that the vehicle was still on my credit report. i contacted the car dealership to verify that the vehicle was taken care of and it was confirmed by the dealership and i was sent a copy of the check that was sent to XXXX. Myself and the loan department spoke with XXXX and they said the amount they received wasnt the full amount which it was. XXXX had even sent the XXXX XXXX title to the dealership which shouldnt have even been possible if they werent paid in full.
Product: Vehicle loan or lease

On XX/XX/year> I spoke with an agent from XXXX. She told me Credit acceptance was lying about not being able to remove the debt. She also told me that credit acceptance has all the documents to remove it. And that XXXX has all the documents to remove as well and they are just waiting on the creditor. The agent also suggested it was illegal that credit acceptance refuses to remove the tradelines with documentation. XXXX removed the employment information from my report. The same job credit acceptance is claiming I gave them paystubs for. Credit acceptance also removed their XXXX ad after I brought attention to their negative reviews and shared other similar experiences to mine with the CFPB and XXXX. I called credit acceptance and like always they offer no solutions. They told me to my face they will not change their Answer. The legal team is very rude and disrespectful also refuses to help with my situation. I plan to take legal action and sue credit acceptance for the damages if this is not removed. They also told me that they will not respond to my CFPB report that is unfair because Im using my resources the best way I know how. They admitted on a recorded line they accept fraudulent information for an auto loan. But wont remove this account. They are gathering information from the disputes not from the contract and using it against me
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX XXXX  i sent a letter to equifax asking them to provide me with information regarding a item listed on my credit coming back as verified I asked them to provide me with evidence of this matter and have gone ignored on my request
Product: Credit card or prepaid card

I had an Aspire credit card and when I went to pay the bill I noticed they were charging me a fee of {$39.00} to renew my card on top of the {$8.00} per month service charge. 

When I called them I informed that their fee was to high and I would not be renewing my account with them and I asked them to remove the fee. This is before the renewal date and before my bill was do. 

They informed me they would not remove the fee and I was just out of luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and, Equifax and asked that they investigate the below accounts of the two late payments reported in XXXX. I do not recall ever being late. It doesn't make sense that I was current in XX/XX/XXXX and jumped to 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. This is impossible. 

Accounts in dispute : XXXX  XXXX-Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX
Product: Debt collection

THE COLLECTION COMPANY FAILED TO PROVIDE NOTICE OF DEBT. FAILED TO VALIDATE DEBT. THIS IS A COLLECTION ACCOUNT BUT IS REPORTING AS OPEN. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2. A COLLECTION ACCOUNT CAN NOT REPORT AS OPEN. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES. 
THIS COLLECTION ACCOUNT IS REPORTING AS LATE/PAST DUE. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2 INACCURATE REPORTING. A COLLECTION REPORT IS NOT THE ORIGINAL CREDITOR AND THEREFORE CAN NOT REPORT AS LATE OR PAST DUE. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.
Product: Credit card or prepaid card

I tried using my credit card and it they placed a block. When I tried to call and verify my identity they keeping telling they cant do anything but to send a letter to my address which will take 5-7 days. I need to make a purchase now. They are not doing anything to verify my identity. This is the worst experience ever, I have other credit cards with other companies and this process is a breeze. I am so frustrated with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... XXXX XXXX {$570.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XX/XX/XXXX
Product: Student loan

Loans were purchased from XXXX. Thousands of students were scammed by XXXX into taking out predatory private loans to attend fXXXX XXXX XXXX  schools such as the one I attended, The XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My Federal loans ( Distributed and Repaid amounts Attached in XXXX  ) XXXX and my credit repaired. I am aware that XXXX was sued by XXXX state AGs regarding their predatory loans to attend these XXXX XXXX  schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " XXXX XXXX schools, '' but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least XXXX XXXX XXXX XXXX schools. After the XXXX settlement, didn't XXXX also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX knows who we are. Under the FTC " XXXX XXXX '' XXXX is liable for giving predatory loans in connection with XXXX XXXX  schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend XXXX XXXX XXXX colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to XXXX 's CEO ( Attached ) asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
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 practice which violates the consumer, financial protection act ( CFPB ). Specifically, Cash App failed to take timely and effective measure to prevent an 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 requirement under the Electronic Fund Transfer ACT ( EFTA ) and Regulation E, these actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations. 

Violations : the electronic funds transfer at 15 USC 1693 as implemented by regulation E 12 CFR 1005.8 ( b ) requires a financial institution to mail or deliver to the consumer an error resolution notice meeting the requirements of 1005.8 ( b ) at least once each calendar year or alternatively on or with each periodic statements required by 1005.9 ( b )
Product: Checking or savings account

On XX/XX/23, early morning, I activated my EDD card of my account in Bank of America sothat I would go to the bank and withdraw my money that day. By XXXX I was in the bank and when I tried to with draw the money, the teller told me that someone had already with drew {$5000.00} from my account that very morning in XXXX transactions ; XXXX {$4500.00} and later {$500.00}, and my card had also been blocked. Immediately, i called bank of America to ask them about who had withdrawn my money and what I needed to do next. 
They told me that a claim has been put in for my stolen money and that I should give them XXXXdays to work on it. At that time my account was only remaining with {$2900.00}, so I asked them whether I should with draw that balance that very day and they told me that I should wait to receive a new card because the one I had, had been blocked. In XXXXweeks, I called the bank again to know about my claim, the person I talked to said she couldn't tell me anything about my claim unless I go and call them again when am inside the bank. When I asked her why i had to call from the bank, she told me that because the bank has to request XXXX IDs from me to be sure am the real owner of the account I was calling about. The next day I went to the bank with my XXXX IDs and called again. They just told me to wait until XXXX days. Surprisingly, on XX/XX/2023 they sent me a letter, stating that their research confirmed it was me who authorized the withdraw of the {$5000.00} from my account and for that reason, they denied my claim. Its on that note that I write my claim here, seeking for justice of my {$5000.00} that was stolen from my account in Bank of America.
Product: Checking or savings account

Please reference my last complaint, which the company failed to address, complaint # XXXX. 

The bank issued 2 checks each in the amount of {$3000.00} and mailed them to my daughters through bill pay. 

According to their online bill pay statement : https : //www.bankofamerica.comXXXX XXXX XXXX XXXX ... the check will be mailed to the biller, and the money will be subtracted from your account when the recipient deposits the check. '' In actual fact, B of A deducted both checks on the day the bank said the checks were received. One was received and cashed several days later. One was never received. I asked them to cancel payment and issue another check, which they did. BUT, they never redeposited the {$3000.00} to my account until the new check was received and cashed, but B of A kept the {$3000.00} in their own coffers for the duration, until the new check was cashed on XX/XX/XXXX. 

At this point I began investigating their practice and found they do this all the time -- in effect kiting checks between the time they say the check arrived and the date the check is actually cashed. I've found several more instances of checks being kited for days, including a {$9000.00} to my CT tax office. 

They have responded to the first compliant with a ton of dates and website links, both of which I have discussed with one of their reps. They have not, however, done anything to make me whole. I must renew this complaint or bring another under a new number. If this does not bring resolution, I will seek legal representation. It is necessary because the problem is not only with my account but with all bill pay users and accounts for millions of dollars being kited by B of A.
Product: Debt collection

XXXX XXXX notified me that a derogatory notice to my credit score was provided them by XXXX from a collections company IC Systems. I contacted them and was provided an account that I knew nothing about from XXXX XXXX XXXX XXXX  that was opened in XXXXXXXX XXXX XXXX. I went to a store and worked with a rep there who provided me the details. Upon review of my credit reports, XXXX, XXXX and XXXX all note this collection agency attempt to collect a debt of {$960.00}. I have never resided at the address associated with this account, and have never opened an account or purchased a mobile phone from XXXX XXXX XXXX The address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX is listed on the reports. I have never been to Texas, so someone has stolen my name and possibly my social security number and used it to open an account and it was sent to collections and is on my credit reports in error. Please have this removed from my credit reports and my credit score restored to it's very good status of XXXX prior to this error reported incorrectly.