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

I AM The Victim Of Identity Theft ; Whereas, Fraud Accounts Reporting Via My Credit Report Profiles. Moreover, The Following Documentation Sent To Validate My Claim Via Local, State, Military, And Federal Law Enforcement ; And, I AM Legally Responsible Via Any And All Submissions : My Correct Address Is : XXXX XXXX XXXX XXXX!!!!!! 

- Identification - Bank Statement - FTC Documentation - Residential Utility Bill - Notarized Proof Of True Identity FRAUD ACCOUNTS : XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for the inquiries on my credit report. The inquiries were not removed, my credit score was not addressed and I have yet to hear from Equifax regarding my complaint. The inquiries have a negative impact to my credit score, therefore their removal should have a positive impact to my credit score, and should be done immediately.
Product: Checking or savings account

I XXXX XXXX had opened a Bank of America Business Advantage Banking account for my Business ( XXXX XXXX ) through online on XX/XX/2024. Even before while opening the account the I clearly Mentioned that I am out of United States and can not be physically present to open the account and my partners will be doing the transactions as I had to do some important transactions from USA to XXXX to buy XXXX for my Business and I spoke to this agent ( XXXX ) who had agreed to everything and opened my account. And we started our account with nice XXXX deposit and then one of my partners did a wire transfer to an XXXX account to buy the machinery. 

Then my account has been blocked saying some kind of fraud detected. The deposit and transfer was done by the same person. They just waited to deposit the money and now they have put a hold on my account and now when I call the agents they are saying I need to physically verify my identity by visiting one of the branches. If that was the case then they should not have opened an account without me physically being present in there office in USA.

Now its been more than a week I lost access to my account with all my funds in it. When I reached out to this agent XXXX, instead of answering my questions she just threatened me to Disconnect the call. I spoke to couple of other agents too but no one is helping me with this. They took my money and they are not giving access to my Own account they are just holding my money with them since XX/XX/2024. And now I have to spend like XXXX to come back to USA to verify my Identity physically. This is really shame on that Institution. Please do me some Justice here.
Product: Debt collection

This information was deleted off my credit but its still popping up on the other credit Bureaus I was reporting this to have them removed for my credit.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$32.00} 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 XXXXXXXX {$0.00}
Product: Debt collection

Calling family members and leaving voicemails with personal information. 
Calling wife 's work phone. 
Never sent written information about alleged debt. 
Leaving false claims in voicemails. 
Calling repeatedly. 
Threatening to take adverse action.
Product: Credit reporting or other personal consumer reports

Im victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance : {$530.00} XXXX  XXXX balance {$130.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX balance {$0.00} XXXX  XXXX balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to resolve this with the agency and was advised to do what I need to do. 

They posted this account all XXXX with the incorrect date which even if corrected is still in violation of the FCRA as it impacted a credit decision. The XXXX  are also in violation of FCRA for recklessly reporting this account. 

The agency is attempting to re-age a debt that if in fact is mine is nearly ( XXXX ) XXXX years old. 

My initial request was to just have them remove this from the XXXX without seeking damages. I am now requesting that XXXX remove these accounts from XXXX.
Product: Credit reporting

Barclaycard has been aware that a fraudulent account was opened with them using my information and they have not used any information I have provided to stop reporting this item on my credit report or unlink it from my information and actually investigate it. I 've attached a copy of the identity theft affadavit I have sent to them numerous times.
Product: Mortgage

My payment had gone up due to my insurance increasing by {$400.00} a year, so I switched insurance in XX/XX/2018. My insurance assured me everything would be taken care of. 
In XX/XX/2018my payment was increased even more. after further investigating I found out onmy own that the mortgage company had paid for two different insurance policies and did not inform me of this rarity. 

I requested a refund through my original insurance and it was returned to me. In XXXX I paid the full amount to my mortgage that was returned to me. After several months of receiving notices that I owed XXXX $ amounts I called and was left on hold several times and being disconnected due to long waits. Finally I was connected to a service representative but she told me there was not any documentation of me making any such payment. Under duress I paid an extra amount of {$1300.00} on XX/XX/XXXX assuming I would pay my regular amount in XXXX. 

XXXX comes around and they still say my payment is {$1300.00}, which is {$200.00} plus my regular payment. 
I get a login to their website and find that the payments are documented, and I try to call to no avail. I tried to contact them 3 different times and put on hold. Finally after the fourth try I gain contact and was told they could not help me and I would need to be transferred or I would need to call back. 
I find this completely unacceptable considering they created this by their system failure of paying two different insurances and the fact that I can not reasonably contact them without hour long wait times and most times not even being able to talk to someone. 

I requested they accept the extra payment as my XXXX payment and they told me I would have to be transferred again. 
I need some closure to this fiasco and the company is just running me around to different departments until I agree to pay a hire mortgage payment.
Product: Checking or savings account

In reference to the previous filing with CFPB complaint XXXX. Bank of America, has received several correspondence and official communications including those with CFPB regarding the account in question. Bank of America is fully aware the most resent address. They are fully aware the current address in not in Florida ( A LETTER I ONLY HAVE NOW BECAUSE IT WAS ATTACHED TO A BOFA COMPLAINT RESPONSE ) .. Its just a way to keep money they know is not theirs. A petty act that did n't work. CFPB, should change policies that do not allow them to interject to blatant petty maneuvers such as Bank of Americas actions regarding the refund of the credit on the account. Clearly the banking statement has a Texas address that states a credit of {$120.00} on the account. Common sense would dictate sending the funds to that address ON THE VERY STATEMENT YOU PRINTED IT ON ( SE ATTACHED ). But they choose the, lets play XXXX and try to keep the money approach. SEND THE FUNDS TO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX
Product: Student loan

I am requesting an immediate stop any and all deductions from my checks in regards to wage garnishment. I was not properly notified and allotted the correct amount of time to put together a plan of repayment before deductions began based on XXXX Administrative wage, article ( e ) sections : 1, 2, 3. This is with regards to my Federal Date of order : XX/XX/XXXX Date mailed to employer : XX/XX/XXXX US Postage date : XX/XX/XXXX Date received : between : XX/XX/XXXX XX/XX/XXXX - Based on XXXX website : money was deducted from my wages on XX/XX/XXXX for {$65.00} This should not have happened this quick. Any further deductions should cease until further notice. I am in the process of having an attorney review this as well. I appreciate your help with this. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have been working on rehabilitation of my Great lakes Higher Education loan..they had a wage garnishment in place. I contacted them before they started to take the money out of my check and set up payment plan. They day they take money out of my personal checking account, they still took the money out of my check. which ( in an email i had that stated that should not have gone through. I am trying to pay it back but i can not have XXXX different deductions of 15 % each of my disposable income. I have XXXX children and if we will not survive. I am trying anything to prevent filing bankruptcy. Thats why i consolidated and putting together an affordable plan. but if they do not allow me proper time and work with me. Why am I expected to do the same and they have power to XXXX me out of my funds. Wage garnishment should be illegal, it forces people to quite their jobs and do illegal things, which could be prevented by not diving into someones pockets to ruin their lives.
Product: Debt collection

- In XX/XX/XXXX, I learned upon looking at my credit report that a company named XXXX XXXX XXXX had reported a collection account in my name for the amount of {$2200.00}. Since I didn't recall any outstanding debts, much less from this company, I disputed that with the credit Bureaus and they responded to my dispute saying that XXXX XXXX XXXX had validated the debt. 

- On XX/XX/XXXX. I sent a letter by certified mail to XXXX XXXX XXXX disputing the validity of the debt and asking for their proof that I own this debt and also their authority to try and collect this alleged debt. ( letter is attached ). I also made this a cease-and-desist request and requested that they remove this wrong information from my credit report unless it was 100 % verified. 

- On XX/XX/XXXX. I received an email from this company with a pdf file attached. ( both the email and file are attached here ). In this email, XXXX XXXX XXXX notifies me, for the first time, that a negative credit reporting action might be taken against me. After they have reported this item, without proof, for over 3 months. The pdf File shows an invoice that I have never received from an apartment complex and does not bear my signature. 

- On XX/XX/XXXX. I Sent a second letter by certified mail to XXXX XXXX XXXX, explaining how they were in violation of my rights and allowed them an additional 30 days to produce the proof I had requested on my previous correspondence. ( Please see attached letter ). Again, I requested for this wrong information to be removed from my credit reports. 

- On XX/XX/XXXX. I sent a third letter by certified mail to them. ( Please see attached letter ). In this letter, I stated once again how they failed to produce the appropriate proof that shows I'm liable for this alleged debt, as well as informing them what " Estoppel by Silence '' means and how refusing to respond to my requests must mean that they are in agreement with my statements. I allowed them an additional 15 days to resolve this matter, and I even mentioned my intentions to file this complaint if I did not receive absolute proof, or if they did not remove this false information from my credit reports. 

As of right now ( 30 days after the last letter ), XXXX XXXX XXXX has not provided any proof of my responsibility over this alleged debt. Neither have them responded to my last 2 correspondences in any way, shape or form. Therefore I am filing this formal complaint against them. 

This has been EXTREMELY damaging to my reputation and to my ability to acquire credit. I am a small business owner and the inability of securing a credit line has put tremendous amounts of financial strain on me and my family. I sincerely hope I can get this issue resolved through this formal complaint. 

All correspondence mentioned above are being attached with this complaint.
Product: Payday loan

They called me to verify that I applied for a loan by calling them. I did not but they had all my information. I asked for information to find out what was going on and they told me to file a police report, They had my social security number but would not give me any details.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App 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 was unfair and deceptive, as they did not coldly error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and I noticed there are two inaccurate late payment items on my report as follows : XXXX XXXX Acct : XXXX : This account is listed as being 30 days late for XXXX of XXXX and XXXX of XXXX. I was never late while paying on this account. 

Under the FCRA, erroneous/inaccurate/unverified/unvalidated late payments must be removed. 

I demand that Experian changes any and all of the inaccurate, erroneous, unverified, and unvalidated late payment marks on my XXXX XXXX account to " paid as agreed ''.
Product: Student loan

In XXXX I obtained a private loan to pay down a Parent Plus loan with the federal government. During that time my account was going through consolidation. The total amounts to be consolidated was reduced by student aid.gov to {$61000.00}. The private loan company sent Mohela {$45000.00}. Balance should be {$15000.00}. Mohela is still showing a balance of {$61000.00} plus interest. It is in forbearance but the interest is still accumulating. I have called multiple times since XXXX to ask them to clear up my account so I can begin paying down what I actually own. 
XX/XX/XXXX - XXXX stated it was being reviewed to reapply it the consolidated loan and it should be fixed by XX/XX/XXXX. 
XXXX - XXXX spoke to supervisor XXXX who stated stated it was sent to a supervisor for review. 
XX/XX/XXXX - XXXX stated the request was incorrect and they had to request a pre-conversion review. She believes the {$45000.00} was applied to older loans. This request has to go to the Federal Accounts Department. 
***All of my older loans were paid that is why I only consolidated 3 loans. 
I also spoke to XXXX on XX/XX/XXXX who stated it should have been corrected in XXXX as well. 
Now I have a private loan plus the federal parent plus loans which the balance is not correct. 
I also have a opened a compliant with my state senator, the ombudsman and student aid.gov. 
I would like to make a formal compliant to show I have tried multiple times to get this issue corrected.
Product: Credit reporting or other personal consumer reports

Equifax has been reporting inaccurate information on my report that I have filed multiple disputes for which they will not correct. The credit furnisher supplies inaccurate information intentionally to hurt my credit score but Equifax is ultimately the one who allows this continue even though I've submitted disputes in the past and the errors are clearly obvious on the face of the report from just looking at it. 


For example, the furnisher of information is clearly trying to " re-age '' the debt as they have stated on the report the " date of first deliquency '' constantly has been updated from XXXX then a year later changed to a date in XXXX to make it seem more recent. Both of these dates are wrong and the date of first delinquency should be XXXX. Numerous other obvious error include days late going from 30 to 90 from one month to the next and then back to 30 the next month.
Product: Prepaid card

I purchased a ring from XXXX using my Visa gift card ( received as a BDay gift ) and my personal XXXX. The bulk of the purchase was paid for using the gift card ( {$270.00} ) and {$58.00} on my XXXX. I returned my purchase to XXXX and SPECIFICALLY REQUESTED store credit ( because of the gift card ). Was told that was ok, so I followed all their requests to receive store credit. However, XXXX XXXX processed the return back to my gift card & XXXX and I no longer have the Visa gift card! 

I have called XXXX MULTIPLE times to get a replacement card and the only thing they said they can do is open a case? 

So I have {$270.00} on a Visa gift card that I cant get access to!! I am extremely frustrated because this is a lot of money and was a special gift from my mom for my birthday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following fraudulent accounts and inquiries from my credit reports. XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX The following inquiries are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX . Every time I dispute this information it keeps coming back verified and I am requesting you provide me with your Metro 2 Five Points of Compliance and provide me a signed document with my signature for all of these accounts and address where the supposed accounts are from. I will be filing a lawsuit and hiring a lawyer If you do not delete these accounts off all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXX Date Generated : XX/XX/2019 Our reinvestigation of the dispute ( s )  and/or other request ( s ) you recently submitted is now complete. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau on XX/XX/2023 and would like a reinvestigation I still have inaccurate information on my report! 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. 
I hope you would be able to help! I will list the accounts below! 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX AT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX
Product: Credit card

I received a direct mailer from Citibank offering a Costco Citi XXXX with 0 % APR. In addition there is printed offers in stores and the offer is still on Citi 's website. 

I received my Costco Citibank card and discovered on the 1st statement that Citibank is not honoring the 0 % APR.
Product: Credit reporting or other personal consumer reports

I got a alert on my credit i notice Credit Corp Solutions Inc placed a collections on my account. I reached out to Credit Corp Solutions Inc on XX/XX/year> i also filed a ftc report. Up until this point i have called emailed and done as much as i can.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I ask that the accounts and inquiries listed below be removed from my credit file : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$390.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$690.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$11000.00} XXXX. XXXX XXXX o Account Number : XXXX  o Date Opened : XXXX o Amount : {$570.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX o Date of Inquiry : XXXX XXXX XXXX XXXX  o Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Equifax XXXX and XXXX XXXX XXXX are reporting at least XXXX bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed jointly with someone else which this XXXX is inaccurate information per usc 1681 b permissible purposes which means I have a right to be notified when these credit reporting agency are putting information on your credit report all XXXX of these credit reporting agencies have never called or sent anything in writing per usc 1682a that I as the consumer have a right to fair and accurate credit reporting when I filed a dispute with XXXX they re verified information that the reported I am Also a victim from the data breachs in which XXXX and equifax and XXXX had which cause my soical to be leaked on the dark web.
Product: Checking or savings account

On XX/XX/2023 and XX/XX/2023, two transactions occurred from my personal savings account at XXXX XXXX. The first transaction was {$700.00} and the next was {$4700.00}. This money went into an account at Chime Bank under my name, but that account was fraudulent.