23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX Todays date : XX/XX/XXXX ATTENTION DISPITE DEPARTMENT PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC 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 PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC 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 Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

I XXXX XXXX had my TD savings account, password, and phone changed accessed and funds transferred to two additional accounts, one savings and one checking opened, the suspects, transferred {$500.00} from my savings into the new savings on XX/XX/21, and then proceeded to move approximately {$11000.00} into the new fraudulent checking account, I was notified of the incident at work by Fraud Resolution on XX/XX/21 via telephone, and proceeded to the XXXX XXXX, NJ branch, to close the fraudulent, and existing accounts to open a new one, the money thankfully was not removed from the bank, and the incident was turned over to XXXX XXXX  according to bank employees, pending investigation. 

I have also been compromised with my XXXX  XXXX savings account, a additional checking account, as well as, phone number, address, and password changed, the suspect was able to transfer funds {$2000.00} from my savings into the fraudulent account created, these funds too were detected before being removed from the banking institution, it should be noted that while on the phone with a rep from XXXX  XXXX named XXXX, she informed me that the suspect was making a attempt to transfer {$100.00} from my XXXX  XXXX account that he fraudulently opened, to my now closed TD savings account.

I have contacted the three credit bureaus, social security administration, as well as my other banking institutions, in addition to filing this report with FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to reach Credo due to they ran my credit with out my verbal or written consent on XX/XX/21. XXXX and XXXX have deleted this inquiry due to i did not authorize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit report notice my score went down and notice XXXX inquiries was made without my authorization XXXX and XXXX
Product: Debt collection

I received an alert on my credit report that I had an account go into collection. 
The company, I C Systems Inc. Did NOT contact me or reached out in any way shape or form prior to reporting on my credit reports.

I reached out to them and to the Daycare that originated the debt and I C Systems refused to delete the inquiry even after I proved that the account reported deliquint was an error on the creditor 's side. 

I have since obtained proof that the account was reported due to an error and the collection agency still refused to delete their collection on my report. 

This has significantly harmed my chances of getting approved for a mortgage and I would like the collection agency to remove it immediately.
Product: Money transfer, virtual currency, or money service

My money was sent to wrong people on cash app asked to get back they blocked me also had fraud on a solid item I never got and never got help to get cash back.
Product: Credit card

On XX/XX/2023 at around XXXX XXXX  the XXXX XXXX in XXXX, Wyoming the plus card on my parents account was not working. The employee at checkout took me to customer service to sort the issue out. The employee informed me that they no longer printed physical club cards and I needed to download the digital app, which I did. They asked if I had an ID on me and I did not, I offered for my husband to go home and get it but I got no response and they continued with asking for updated information. I was handed the tablet the employee was using briefly to type in my social security number ; I had never touch the tablet before or after entering my social security number. The employee then informed me the account was paid but I was not deemed active on the account. In order to become active I would need to pay {$45.00} for the yearly XXXX plus membership, which I agreed and paid with my debit card. Moments later I went back to check out to purchase my items and upon check out the screen asked me if I would like to use my XXXX XXXX XXXX or a different form of payment. Upon confronting the employee regarding being signed up for a credit card without my knowledge or permission, I was told I am sorry, I thought you knew that, please dont be mad at me. I went back to customer service and informed them I did not want to be signed up for a credit card and they did not have my consent to do it and I would like to cancel it immediately, I was told to just not use the card when it came in the mail. I called the credit card company immediately leaving the store at XXXX XXXX. The card was actually issued under my maiden name because apparently the employee opening a credit card under my name did not know that was not my legal name anymore because they did not ask and I did not have an ID on me. They credit card employee apologized and canceled the card. A hard inquiry was done on my credit and a line of credit was opened under my name I did not authorize or even have proper identification to do so.
Product: Credit reporting

XXXX different Issues with Equifax concerning, XXXX different accounts with XXXX different companies : 1 ) I have XXXX accounts with ( creditor ) XXXX. The XXXX accounts were discharged via the Bankruptcy Court on XX/XX/2015. I disputed these accounts with Equifax and uploaded the Bankruptcy Order ( XXXX 2015 ). Equifax claim that they never received my dispute. Upon speaking with a Supervisor ( XX/XX/2015 XXXX at Equifax , she stated that they were using information from a dispute that I submitted in XX/XX/2015. I had not gotten a order from the Bankruptcy XXXX at that time. Equifax currently has the XXXX accounts listed as open, past due and in collections. 

2 ) Equifax has an account from ( creditor ) XXXX XXXX listed on my credit report. XXXX XXXX has removed the account from my credit report. I disputed this item. The account is currently still listed no my Equifax credit report. Upon speaking to an supervisor at Equifax , I was told that they were again using information that was submitted in a previous dispute that I filed. I told the supervisor that, XXXX had recently removed the account from my credit report. 
Equifax has refused to remove the accounts with XXXX and XXXX form my credit report.
Product: Debt collection

I have sent several demands for validation of alleged debt but the creditor fails to respond and lawfully validate the debt they are illegally reporting. Then after I filed a dispute of alleged debt, the creditor damaged my credit even more by reporting the alleged debt twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this with XXXX XXXX XXXX XXXX for a few years. I sent a letter from legal aid asking the company to clear the fraudulent account. They told me to go talk to the owners of the store to see if thdy would resolve it. Unforntaley The XXXX XXXX, ( XXXX XXXX SHUT DOWN!! ) The account changed dates. Stated its been since. XXXX. Liars review the acckount ive been fighting with XXXX XXXX XXXX  OVER YRS. They are scam arist. I need help
Product: Debt collection

They have called at least 16 times from an " Unknown '' number, XXXX I asked they do not call from an unknown number, I will not share information with anyone who will not identify who they are calling from. Since the XXXX I have been contacted 11 times, XXXX they left a voicemail, XXXX they called 4 times, the fourth time I answered and asked them to stop calling. XXXX they called 3 times, the third time I answered and told them to stop calling. XXXX they called 4 times, the 4th time again I answered and had a discussion with the manager about why I was being contacted so frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX US DEPT ED Account XXXX : XXXX CONNS Account Number : XXXX U S DEPT OF ED/XXXX Account Number : XXXX U S DEPT OF ED/XXXX  Account Number : XXXX U S DEPT OF ED/XXXX  Account Number : XXXX* U S DEPT OF EDXXXXXXXX  Account Number : XXXX U S DEPT OF ED/XXXX  Account Number : XXXX U S DEPT OF ED/GSLXXXX  Account Number : XXXX U S DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting

The credit bureau would not properly investigate the public records that are not mine according to the State of XXXX Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.
Product: Checking or savings account

I recently received temporary letters of administration for my father 's estate in XXXX XXXX, the estate of XXXX XXXX. 

Residing in XXXX, I was required to open an estate account within XXXX XXXX XXXXXXXX. Representatives from the XXXX, XXXX branch of Bank of America, including the Financial Center Manager, assured me they could facilitate this. They mentioned a memo about their ability to open accounts in another state. 

On XX/XX/, I visited the local XXXX branch with all necessary documentation to open the account. The branch representatives confirmed they could provide online banking access, enabling me to manage estate liabilities and receive rent from estate properties. I deposited a cashier 's check for {$1000.00} into the new account. 

However, upon returning to the branch on XX/XX/, I was informed that while the account had been opened, XXXX XXXX  legal advised that they could not provide online access or check-writing capabilities. They restricted the account to deposits only. I explained the misunderstanding regarding court documents, emphasizing that distributions from the estate require a court order, but liabilities, as per estate law, must be paid from the estate account ( opened with an estate EIN ). This distinction seemed lost on them. 

I facilitated an email communication between XXXX XXXX and my XXXXXXXX XXXX estate attorney, who expressed surprise over this issue, having not encountered such in her 15 years of practice. The attached email correspondence details this interaction. 

Consequently, I traveled to XXXX XXXX and successfully opened an estate account with XXXX, complete with online access and a debit card. Similarly, XXXX XXXXXXXX XXXX opened another account with checking privileges for me. After returning to XXXX, I contacted the Bank of America branch manager via email to close the account and transfer the funds. They responded that a court order is required for this action. 

This situation is particularly frustrating as my XXXX  XXXX attorney 's fees are {$500.00} per hour. Bank of America 's insistence on a court order to close an account, which they initially claimed could be opened in New York from XXXX, is unreasonable. They currently refuse to release the funds to the estate. Attached are the court documents, instructions from my estate attorney, and the Account Rates Review from Bank of America detailing rates in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Loan was initiated with Navient XX/XX/2006in the amount of {$25000.00}. I have been paying on this loan since that time and my principal balance is {$16000.00}. I have been told that I have paid {$17000.00} in interest and interest paid in 2019 was a little over {$1000.00}. Based on my payments and interest rate of 6.125 that calculates out to almost 50 % interest. Navient will not provide a full summary of my account showing payment made, interest charged and principal applied. I have further been advised that it will take me an additional eight years to pay off the remaining {$16000.00}. I applied for an income driven programAnd not only was I denied but my payment amount was increased.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXXXXXX XXXX XXXX  on my XXXX  report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX  about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX   and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my XXXX  inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. XXXX The remainder of these inquires are mine. 

TRANSUNION : This bureau was contacted as well about the inquires and was told verified XXXXXXXX XXXX   XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report XXXX : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX XXXX : I've contacted XXXX XXXX in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXX XXXX Balance Owed : {$340.00} ; DPT ED/XXXX XXXX Balance Owed : {$3900.00} ; DPT EDXXXX XXXX Balance Owed : {$5500.00} ; DPT ED/XXXX XXXX Balance Owed : {$6500.00} ; DEPT OF ED/XXXX XXXX Balance Owed : {$5300.00}.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Bank account or service

The US bank continues harassing me with telephone calls demanding verification of my retirements funds which is simple unacceptable. On XX/XX/XXXX @ XXXX I received a call from XXXX XXXX ( XXXX ) XXXX XXXX demanding verification of my income. The funds are electronically deposited to my checking account since XX/XX/XXXX ; consequently, the US Bank continuously telephone calls demanding verification of my income is a desire to harass me which inflicts severe emotional distress. The US Bank have all information kept in files. Additionally, the US Bank have the option to communicate with me via e-mail. This type of harassment needs to stop immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has led to unauthorized use of my personal information. As a result, several fraudulent accounts and credit inquiries have appeared on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and deleted from my credit file. 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$920.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$430.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Fraudulent Inquiry : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, there was a Loan Modification Agreement made between myself and Ocwen Loan Servicing, LLC, Lender/Servicer or Agent for Lender/Servicer. ( Ocwen Loan Servicing is a debt collector attempting to collect a debt ). The reason I applied for a loan modification was because I was struggling to pay my mortgage. My mortgage payment at the time was for {$1200.00}. I requested that they lower my monthly mortgage payments, so that I may be able to comfortably afford making my mortgage payments on time. On XX/XX/XXXX, Ocwen modified my loan for the amount of {$1200.00} and they added to my loan a Balloon Payment Disclosure. I was not happy with the terms of my loan modification and especially with the balloon payment disclosure. However, I was pressured by Ocwen Loan Servicing into signing the modification and the balloon payment disclosure. I did not agree with the balloon payment disclosure, but I was informed by Ocwen Loan Servicing that if I did not sign the balloon payment disclosure, they would turn down the modification and proceed to foreclose on my property. As of XX/XX/XXXX, my mortgage payment increased to {$1200.00}. On XX/XX/XXXX, I called XXXX XXXX in order to apply for refinancing of my home ; and they informed me that Ocwen was showing that I was past due {$1200.00} on my mortgage and that Ocwen is stacking me with late payments on a monthly basis. Also, Ocwen Loan Servicing has destroyed my credit. Ocwen is not currently updating their records. I am current on my mortgage payments and they are not disclosing and/or updating the records to show that I am current on my mortgage payments. XXXX XXXX informed me that I will not be able to refinance until the accurate information is shown on my payment history and this important matter is resolved, because I am currently high risk. In addition, I am seeking legal services.