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

BECU, XXXX, opened this account > XXXX XXXX  XXXX XXXX in my name. I never authorized this. I did not request it. It is not my account. I have receive a negatived hit on my credit score that leads to this bogus account. 

I also have noticed the following charge cards ascibed to me that I do not posses and have never signed up for. I do not know where they came from. I demand that they be dissolved and my name removed from all credit listings.These companies FRAUDULENTLY opened accounts in my name. I want them charged and prosecuted as such : XXXXXXXX XXXX  Not available XXXX... 
INDIVIDUAL As of : XX/XX/2022 Charge Card XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 Credit Card XXXX XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 Credit Card XXXX XXXX XXXX XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 THIS IS ILLEGAL. I AM REQUESTING THAT CFPB FORWARD THIS COMPLAINT TO WHATEVER GOVERNMENT AGENCY IS IN CHARGE OF CRIMINAL PROSECUTION OF THIS KIND OF FRAUD. I do not own these instruments. Or is the prosecution of XXXX XXXX and other economical havoc mongering criminal untouchables too much to ask of my government agencies charged with protecting all it's citizens and not just the obscenely rich? 

I demand BECU to close that account and restore my credit.
Product: Credit card or prepaid card

on XX/XX/2022 made a payment to XXXX of {$170.00} for XXXX XXXX card.After XXXX months of dealing with XXXX they sent me a letter confirming the money was forwarded to Comenity Capital Bank.Call Comenity Bank many times can not get an answer where my money went.Call my bank that made the payment XXXX they gave me a tracking number XXXX and conformation number XXXX. They told me if they do not know where my money went there payment system should be investigated.Been paying XXXX on the XXXX of ever month for XXXX years got a statement in XXXX i payed it like i have always done. In XXXX first staement from Comenity with late fee saying i did not pay them.How can i pay them in XXXX when XXXX sent me a statement to pay them and i did not get XXXX from them until XXXX bank told me if my money is not found they would take futher steps
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made a {$30000.00} ACH transaction initiated from my Flagstar Bank ( Mortgage ) account to withdraw funds from my XXXX Bank account. The funds in the XXXX Bank account had not cleared yet, so the transaction was denied and I was charged an NSF fee from XXXX. 
On XX/XX/year>, without any action by me, {$30000.00} was withdrawn from my XXXX bank account by Flagstar Bank. I have received the following information from XXXX Bank : The XXXX Transaction Trace Number is XXXX. The SPRAY number is XXXX This transaction was recorded by Flagstar Bank as a Return to XXXX Bank. XXXX Bank has recorded it as a withdrawl from my XXXX Bank Account. I have had many telephone conversations with Flagstar Bank and XXXX Bank. I have provided all the back-up documentation requested. 
At this point, I am out {$30000.00} plus interest from XX/XX/year>. 

I have attached the related Bank Statements and transaction details from both Flagstar Bank and XXXX Bank.
Product: Credit reporting or other personal consumer reports

hello, I contacted multiple times Transunion and reported fraudulent inquiries and credit open under my name. I even called the creditor and they told me this information does not match to my name and they dont know why its showing on the Trans Union XXXX I even filed the police report, which I already attached to this report. Are XXXX hard inquiries under my name which none of them had permission. 
The first account is XXXX XXXX XXXX XXXX which even I called them directly and they said the information does not match to my information and they said this is the mismatch but still showing on the Transunion information. The second account is XXXX XXXX XXXX  Which it doesnt belong to me either and it was opened fraudulently and I contact them also and they said none of the information or match to my information. And there are XXXX hard inquiries, which should be removed from my account. Please see attached police report which was filed on XX/XX/2024 on the city of XXXX XXXX, XXXX XXXX, California and the police report is XXXX XXXX : XXXX there were multiple accounts open under my name, but most of them after a couple months was removed by Transunion from my account, but unfortunately these XXXX accounts have not been removed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, federally protected Consumer, have ordered my written instructions Cease and Desist pursuant to 15 U.S. Code 1692c ( c ). 

XXXX XXXX I demand you to remove all Negative Information according to federal law definition any form of default which is stated in my Cease and Desist. 

My Consumer Report shall be reporting 100 % positive and 100 % on time payments. 

If XXXXXXXX XXXX  dishonor my Cease And Desist you shall be fined and imprisoned for not more than 20 Years or both pursuant to 18 USC 894 ( a ) ( 1 ) ( 2 ) as you are causing substantial harm to me and ruining my financial reputation for non repayment which validates you are extorting me by furnishing negative information and this is how XXXXXXXX XXXX  shall be fined and imprisoned for 20 Years under title 18 U.S. Code 894 - Collection of extensions of credit by extortionate means.
Product: Credit reporting or other personal consumer reports

OneMain  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  These inquires were made without my consent.
Product: Checking or savings account

I submitted a complaint on XX/XX/2019 in regards to Bank of America not following the Federal law the Expedited Funds Availability Act. Today, this bank has place another hold, on another one of my accounts. This bank is purposely and illegally hold funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re  : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have recently lost my job. I 'm currently seeking employment. In the mean time I send payments which I can afford every month. Although these payments are not the required monthly payments I send what I can to show good faith. The credit card companies still call me relentless day & night multi times a day. They call on XXXX my land line phone & cell phone, When I try to explain my situation, they hang up. The companies who are harassing me @ this time are1. City Bank XXXX XXXX, Ky. 

2.XXXX XXXX XXXX XXXX XXXX calls are recordings as early as before XXXX as late as XXXX
Product: Debt collection

I have proof I paid off my debt. As you can see I made payments arrangements with coned. Thank you
Product: Credit card or prepaid card

While shopping in store at the store in XXXX XXXX, MD as I finished shopping and went to the register for checkout, my cashier asked me if I would like to apply for a XXXX credit card. She did not specify if it would be a store card, or a master card. So I asked her to only be considered for a master card and she nodded her head ok, and proceeded to use my information to apply for a credit card. She said I was approved for a total amount of {$650.00}. She did not disclose to me the terms or any TILA, disclosers. She gave me a discount and said she does get more $ $ when customers apply and thanked me. Upon receiving a statement as well as the XXXX XXXX, I noticed It was not what I as the consumer requested. They approved me for the XXXX XXXX XXXX, which I did not request at the time of applying on XX/XX/2022. They have also violated me using deceptive debt collection practices by calling me and using a postage with their logo on it which is a violation under title XXXX, they were marketing a master card which is not what I received. After speaking to a Senior customer service agent today by the name of XXXX at the Ohio office, he explained that XXXX cashiers are not aware of the interest fees, application process, or approval process and that she should have told me to contact the bank. If they are not aware of laws, or fees or anything pertaining to what they are advertising then they should not be advertising it! On top of that they had the incorrect mailing address on my account which affected me to not receive my statements or credit card. According to 12 CFR 100.2, I Can not be denied credit on application. I CLEARLY was denied credit ( mastercard ) which is in violation of the FCRA. They have violated me many times within the last few months and as a consumer this is traumatizing.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXX XXXXXXXX has violate my rights XXXX XXXX XXXX XXXX XXXX a.states i hace the rights to privacy XXXX XXXX XXXX XXXX XXXX : it also States a costumer reporting agency can not furnisha account whiout my written instruccions.
Product: Mortgage

We have found our that It's important to clarify the concept of " selling a home as stock. '' Real estate and stocks are fundamentally different asset classes : We now understand that Real Estate : Represents physical property and Ownership is typically transferred through deeds and recorded in land records. Stocks : * Represent ownership shares in a company. * Ownership is tracked through stock exchanges and brokerage accounts.Therefore, a traditional single-family home can not be literally " sold as stock '' in the same way that shares of a publicly traded company are.

However, there are scenarios where real estate and investment instruments intersect, which might lead to some confusion : * XXXX XXXX XXXX ( XXXX  ) : We have found out that These are companies that own or finance income-producing real estate. 
* Shares of REITs are traded like stocks on exchanges.So, you can invest in real estate through buying XXXX XXXX we know that It is possible that BofA Merrill Lynch XXXX XXXX XXXX could hold XXXX 's in its portfolio. 
* Securitization of Mortgages : * Mortgages can be bundled together and sold as mortgage-backed securities ( XXXX ). 
and thatThese securities are traded in financial markets. 
This is not selling a single home as stock, but rather a financial instrument backed by a pool of mortgages. 
* Control Numbers : and Control numbers are used in various financial transactions, including those related to stock ownership and corporate actions.

* In the context of real estate transactions, a control number might be used for internal tracking or auditing purposes within a large financial institution like Bank of America. 
In the context of BofA Merrill Lynch XXXX XXXX XXXX : We know now that this entity is involved in asset management, which can include various financial instruments, including those related to real estate. 
* If BofA Merrill Lynch XXXX XXXX XXXX were involved in a transaction related to real estate, it would likely involve : * Managing XXXX holdings. 
* Dealing with mortgage-backed securities. * Managing foreclosed properties ( XXXX - XXXX XXXX XXXX ). * It is highly unlikely they would sell a single home as a stock. They would sell the home as a real estate asset.In summary, while real estate and investment instruments can be intertwined, a single home is not sold as a stock. The use of a control number would be for internal tracking of the asset.Our control number for BofA Merrill Lynch 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: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

on XXXX XXXX 2015 I paid my delinquent loan in full at XXXX in the morning. Later friday checksmart present my check to the bank and my account was debited another XXXX. I noticed this on Saturday and i told them about it. I bought them proof that my account had paid the check and I also had paid the full amount that day.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the following fraudulent account from my consumer credit report. This account is a result of identity theft and fraud that occurred during my period of trafficking. Per FCRA, I expect TransUnion to take action within four business days of receiving The following account was not opened, made, or initiated by me and is the result of identity theft and fraud : XXXX XXXX {$370.00} XX/XX/year>2024 Balance Updated : XX/XX/scrub>/2024 To support my claim, I have attached the following documentation XXXX FTC Identity Theft Criminal Complaint # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX E-mail : XXXXXXXXXXXX Cell Phone : XXXX Dear Madam and Sir, On XXXX of 2014, I found that I could not XXXX, so I went to XXXX XXXX, XXXX XXXX XXXX, Emergency room. They tried to treat me, but they could not and made me lose a lot of blood, then they asked me go to XXXX XXXX. In XXXX emergency room, they solved my problem and took much more time and only charged me {$700.00}, but XXXX XXXX XXXX charged me {$1100.00} and could not solve my problem. My insurance company and me have paid them more than {$800.00}, therefore. I should not pay more to them, but they asked collection company to collect more money. I think that is not right and XXXX XXXX XXXX charged me too much. The account # of XXXX XXXX is XXXX and the Account # of Merchants Credit Association is XXXX. If you need more information, please tell me. Please tell me I should pay them more or not. 

Thank you very much for your help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX  unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

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

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted  from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this  matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1991 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX