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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  / {$2800.00} / XX/XX/2021 XXXX XXXX {$0.00} / XX/XX/2021 XXXX  / {$0.00} / XX/XX/2021
Product: Checking or savings account

I lost my bank ATM card with JP Chase Morgan. I noticed several fraudulent transactions on my account on XX/XX/2023. I immediately called them and spoke to a Representative who opened a claim for each charge. I spoke to the fraud department and they assured me that they would investigate and get the charges reversed. On XX/XX/XXXX and XXXX, they reversed the charges because whoever had my ATM card used the correct PIN. So they are not saying it is not fraud. I have no knowledge of who this person is and each of the charges is far away from my home. I work from home and could not be over XXXX miles away when these charges were made. I asked them to view the cameras of the person who had taken the money out of my account by ATM and they said they do not view cameras in investigations. If they can view the camera when this money was taken out by ATM they will clearly see it was not me. I spoke to a Supervisor on XX/XX/XXXX by the name of XXXX and he said to reference claim number XXXX to obtain his full name because I told him I would file a complaint against JP Morgan on these charges. Because my ATM cards were compromised, I requested new cards and to this day I still have not received new ATM cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a dispute with XXXX XXXX over a loan that was already paid off. The loan was charged off and XXXX XXXX received the payment. No report was listed on my credit after XX/XX/XXXX until it appeared again on XX/XX/XXXX. I contacted XXXX XXXX and they said they did not have information on the loan ; that I would have to deal with Equifax. There was no information on my credit file after the property was sold and while XXXX XXXX said they charged it off, they were paid for the loan in XXXX. Equifax and XXXX  reported the XXXX  balance until Equifax on the XXXX of XXXX started showing the account again. When I tried to contact them they did not respond. XXXX XXXX said I had to deal with Equifax but it is like they are playing ping pong with me and again working to ruin my credit.
Product: Credit reporting or other personal consumer reports

On my credit report is shows that on XX/XX/year> a mortgage loan in the amount of {$290000.00} was opened through New American Funding and on XX/XX/year> it was reported. I did not purchase/close on this property therefore this mortgage should not appear on my credit report. The loan officer that I was going through reached out to the company and they said they would solve this issue since it was a mistake on their part, however it has not been resolved since it still appears on my credit report. As a result of this, I have not been able to purchase a home.
Product: Debt collection

I should not owe anything and if I was ever notified right after this occurred I would have disputed it also I would also like to see the signed authorization
Product: Debt collection

Wells Fargo Financial interfered with a dispute I had with an insurance company over the damage on my car. I was in the process of getting legal assistance when wells fargo illegally interfered and signed off my car to the insurance company. They are responsible for my negative balance. Since then I have been harassed by Wells Fargo Financial, and my credit has been ruined due to their actions. I have been abused by this company.
Product: Debt collection

LVNV FUNDING LLC Account : for {$540.00}, and {$400.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with LVNV Funding LLC and do not have a contract with LVNV Funding, LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and LVNV LLC continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
Product: Debt collection

I have debt for a company regarding services I have never received. The company claims I had medical services in Arizona in which I have not had any medical services.
Product: Credit card or prepaid card

Only AFTER filing CFPB complaint number XXXX in XXXX of XXXX was I able to get Synchrony Bank to accept my XXXX  which was sent to them on XXXX separate occasions. Only after contact with the CFPB did Synchrony Bank accept the XXXX and close the account ( which was in the name of my father and is now in XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NC ) .. On XX/XX/XXXX I received an invoice yet again for a " Membership Fee '' for my fathers account. I called XXXX ( XXXX ) XXXX and entered my fathers account number XXXX XXXX XXXX XXXXXXXX and through an automated response I was told that there " is a {$0.00} balance and the account is closed. '' On XX/XX/XXXX I was sent a new bill from Synchrony Bank with the same account number with {$100.00} XXXX XXXX and {$30.00} past due. This is outrageous and Synchrony Bank was dishonest in their previous response to my original CPFB complaint. They stated that they contacted me and I was unavailable. That is not accurate : They left me a voicemail message which I promptly returned the next business day and they never tried to contact me again. Now they have RE-OPENED THE ACCOUNT, and are sending me invoices, which makes no sense if the account was closed and there was a {$0.00} balance on the XXXX of XXXX.
Product: Mortgage

My payment was due XX/XX/XXXX, and I sent it from my bank 's bill pay service on XX/XX/XXXX. The payment is via a physical check. Bank of America posted the payment on XX/XX/XXXX and charged me a late fee. BofA claims this was because of post office delays, but I have my doubts since BofA routinely takes a week longer to post payments than the insurance company I pay from the same bill pay service. BofA reps claim they want to give the fee back but " the system '' won't let them because they've had to fix this several times in the last year. Multiple times BofA promised that a supervisor with additional authority would call me back, but it never happened.
Product: Debt collection

On numerous dates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX has contacted the a place of business after expressly advising personal calls could not be received. Employee, XXXX, called at least five times back to back on XX/XX/2018, even going as far to call private to try and gain access to employee. This is unacceptable and harassment.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX a legal order was taken out of my account for XXXX from checking and XXXX from savings. I called multiple times to Fraud and legal department they said it was a garnishment and would send me the copy called XX/XX/XXXX, XXXX never sent the documents. Was told a number that did not work to call. I was told by legal department I only had one garnishment. This caused checks to get rejected and fees applied to my account. 

On XX/XX/XXXX another legal fee was taken and garnished in the amount of XXXX these funds came from back ordered XXXX XXXX XXXX of Michigan. A child daycare check written when the money was in got bounced and fees from both boa and the childcare were charged to me. I called and was on hold for over XXXX on multiple days XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX no answers no copy of the garnishment and they said child support can be garnished in the state of Michigan. 

The {$200.00} sign on bonus was never given. 

A legal notice written only from boa with the date of XX/XX/XXXX is attached yet funds were take XXXX XXXX and XX/XX/XXXX. The amount that the written order Is {$3400.00} however they took at least {$4300.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I bought tickets from an individual through PayPal. The individual informed me to pay by using friends and family. The scammer never sent me tickets nor did they offer a refund when I asked. The scammer also was aware of the friends and family versus goods and services as I am not. I paid {$250.00} to the individual for 2 tickets. I tried to cancel the transaction on PayPal after realizing the  tickets was not real, I filed a dispute and it was denied the next day. When I contacted PayPal they said I must wait until it is not pending anymore then contact the bank. When contacting the bank, they rerouted me to PayPal and said that there must be some sort of consumer protection and they would have to be the ones to do the refund since it was paid through there site. PayPal has been no help and every time I call they give me the same answer.
Product: Debt collection

I am in the process of trying to purchase a home, I spoke with a mortgage representative on XXXX/XXXX/XXXX and they pulled my credit, on XXXX/XXXX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. On XXXX, I received a notification that Procollect Services Inc. had been added to my credit profile for a collections of {$2500.00} and that the credit file had been opened on XXXX/XXXX/XXXX. Since XXXX XXXX, I have been diligently working on my credit to attempt to correct it and I have been keeping a watch on my credit report since, not one time, was this ever placed on my credit report, I never received any telephone calls, emails or mail from this place.
Product: Checking or savings account

I received a check in the mail from my previous employer for {$5600.00} on XX/XX/XXXX and deposited the funds into my citizens bank checking account using the mobile app the same day. This is an employer I had worked for for XXXX years ( meaning i have additional proof from w2s and previous pay stubs ). Citizens put a hold on the check and would not explain why but assured me the funds would be available on XX/XX/XXXX. Much to my surprise I woke up on the morning of XX/XX/XXXX to find my bank account had still not been credited. I contacted citizens and was ultimately told until they could verify the check with either the bank the check was drawn on or my employer that it would be held INDEFINITELY. Naturally I was furious as this is a legal valid check and i am tax paying citizen. I called my HR dept and even merged the call with the citizens branch manager and my HR dept said theyd be happy to verify the check in whichever way citizens deemed necessary. They would not allow this and insist on holding my check and making my funds inaccessible to me for 90 business days. This is a check that was deposited on XX/XX/XXXX that citizens is refusing to cash until XX/XX/XXXX. Baffled as to how this is even legal considering they also wont allow me to cancel the deposit and cash it elsewhere. They have also refused to explain why the check is being held other than to say that some information on the check is inconsistent. I find that hard to believe considering I work for a XXXX XXXX XXXX XXXX XXXX XXXX based out of XXXX XXXX North Carolina ) that has been using XXXX XXXX for years. Hoping somebody can assist me with accessing my hard earned money. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im at wits end. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint numerous times. You claim Im not the one submitting it. This to me is senseless! So Im submitting it again expectantly for the last time. Equifax has not been fulfilling with Fair Credit Reporting Act ( FCRA ). I submitted complaints about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my awareness, approval or authority. I provided them with documents which established this legal matter but they have disregarded these documents. In fact, I have sent them my FTC complaint report and my Police Report which I filed on my local Police Department. They claim they confirmed the accounts without providing me with any lawful documents, contracts or verifiable proof they were unlocked by me. They are not following to section 605b by blocking or eliminating them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$17000.00}, XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$65.00}, BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Mortgage

back when it was inbehind I owm monet I caught it up so they still say iwas behind
Product: Prepaid card

I purchased this card on XXXX XXXX,2023 for {$500.00} and the card was not working. I requested a replacement card on XX/XX/23 and submitted requested documents that included the receipt of purchase, images of the card and my personal identification. This information was sent multiple times via fax on XX/XX/23, XX/XX/23, and XX/XX/23 and received confirmation of successful delivery. The company claims they never received the documents any of the times. I've exhausted efforts to resolve this directly with the company and have resulted in filing this complaint
Product: Credit reporting or other personal consumer reports

The following accounts I have disputed on multiple occasions. I did not have accounts with the following companies yet they still are on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate account info with all three credit agency 's and they did not comply with disputes and did not remove accounts from credit report during disputes for inaccuracy 's. They did not provide appropriate documents for the dispute results or provide original documents with original debtor reports verifying my info or that I authorized my info to be published or sold to third parties or was responsible for said debts. They have violated my rights under the fair credit act to accurately display my info. 

The accounts in question are : Account name XXXX Account number XXXX Account name XXXX, XXXX. 
Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX
Product: Credit card or prepaid card

the company I am having an issue with is US bank relicard. 
On XX/XX/XXXX XXXX my card was frozen due to them suspecting fraudulent activity. I called them on XXXX XXXX, and XXXX and held on line for 2 hours each time just to be told to fax Identification in which i did and I uploaded the file to my account on the website. I explained to them I was sick and I authorized the transfers to my daughters account because she had to pay my bills for me and also come get me after I was released from the hospital on the 5th due to a battle with XXXX. I have been out the hospital a week and a half with no medicine because I cant afford the co pays because I have no access to my money. I submitted everything I needed and still can't get an answer except its gon na take 10-15 days to unfreeze my account. I am XXXX years old with XXXX that needs to be treated and they seem like they don't care. My regular bank would not have put me thru all this. I appreciate any help you can offer I just want access to my money so I can get my prescriptions and get well again.
Product: Mortgage

Mr Cooper made 2 unauthorized deductions from my checking account - XX/XX/XXXX {$2800.00} XX/XX/XXXX {$2800.00} and 2 deposits XX/XX/XXXX + {$2800.00} XX/XX/XXXX + {$2800.00} I am not signed up for auto pay and they are not authorized to do this. I paid my mortgage payment XX/XX/XXXX in the amount of {$2800.00}. 

I do not believe the explanation of a " third party '' error. This must be investigated.
Product: Credit card

Citi closed my credit card account without warning. Customer service said they could not tell me why my account was closed and I had to write directly to Citi Bank. I wrote Citi Bank asking for an explanation and for them to reinstate my account. They responded via mail quickly, but the said they would not reconsider their decision but still would not offer an explanation for why my account was closed. As of the final billing cycle, I had accrued {$150.00} in cash back rewards and Citi deems these points to be forfeited due to the status of the account. If I had been warned of a shutdown, but did not heed the warning, then I could understand the forfeiture. However have my account was always in good standing and involuntarily closed by Citi without warning and my earned rewards involuntarily forfeited without explanation. This is not acceptable. Citi earns money per each transaction and promises rewards on these transactions to their consumers. If I had known I would not receive rewards for these transactions I would have taken my business to a competitor instead. Citi may have chose to cut ties with me, which is their right, but to not pay the accrued rewards I earned is extra revenue to Citi, directly at my expense. I sincerely ask Citi to pay the rewards due to me and to reconsider my business.
Product: Debt collection

Fair Collections and Outsourcing has reported a collection on my credit report for {$1800.00}. I requested validation of this debt to which they sent me a copy of the lease agreement from XXXX XXXX XXXX XXXX XXXX which clearly shows that it was NOT MY SIGNATURE AND THERE WERE NO PAYMENTS FROM ME NEITHER IT DID LIST MY SS #. I disputed this account as fraudulent, sent them copy of my id with my name and actual signature to both XXXX and Fair collections. Their response was " it is accurate and we are not obligated to validate or respond to you '' ... see attached proof this is illegal collection now they are calling me at home, work and my parents threatening to take me to court. this needs to be stopped!
Product: Mortgage

On Friday, XX/XX/2018 I was contacted by an individual claiming to be from Bank of America. She said here name was XXXX and the number she called from is XXXX. She said she was calling in regards to my home equity line of credit. I do not have any accounts with Bank of America nor have I applied for a home equity line of credit from Bank of America. She asked for personal information to confirm my identity. I did not give her any and hung up. I contacted Bank of America to inquire about any activity under my name and they said they did not have any.