23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Account Number : XXXX and list of Inquiries. 


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: Mortgage

I am seeking mortgage interest information from XXXX for the years XXXX and XXXX. I have tried for over a month to find the correct contact information. This information is needed for me to refile my federal tax forms for XXXX and XXXX. I would also like to have a payment history for those two years regarding my mortgage.
Product: Vehicle loan or lease

Bank of America has misrepresented its loan as a simple interest loan and that isn't entirely true. Additional payments are not applied to principal, they are applied to future payment without authorization. The net result is the consumer gets overcharged. I have contacted the bank several times about this and they intentionally make it difficult, requiring a 45-minute call. The rep always says the bank will have someone go back through the account and correct the error but it hasn't happened and it has been over 90 days. 
The regularly scheduled payment is {$610.00} on auto pay and it has never missed a payment. 
Here are some examples of misapplied principal payments made in addition to the {$610.00}. 
XX/XX/2021 a {$1000.00} payment was applied as a regular payment instead of principal. They pulled {$5.00} out as interest plus the additional future interest. 
XX/XX/2021 a {$300.00} principal payment was applied as a regular payment. {$20.00} was removed as interest plus additional future interest. 

I have filed a prior report on this with the CFPB. Bank of America sent me an e-mail to contact them and I did. I left a voicemail with no response call back or email from Bank of America. 

Again, it has been several weeks and no changes have been made to the account to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I spoke with a representative from PNC around XX/XX/XXXX or XX/XX/XXXX.  They said that a credit of {$500.00} would be transferred back into the account to compensate us for the confusingly labelled fees to view the images of the checks.The original complaint is XXXX. 

We never received that deposit. We did receive a deposit for {$350.00} but it was not the full amount that they stated on the phone they would make. 

XX/XX/2018 SERVICE CHARGE PERIOD ENDING XXXX XXXX {$350.00} This is disappointing to have to go back and request the full amount. 

What's even worse, we have not viewed any images at all since then. And we received another automatic transfer from our account for {$240.00} XX/XX/2018 SERVICE CHARGE PERIOD ENDING XX/XX/2018 {$240.00} At this point, the CFPB is the only course of action I have to try to remedy this issue and stop these erroneous and expensive charges. I have exhausted all options with the local branch and a top representative from the bank that handles customer service.
Product: Credit reporting or other personal consumer reports

I have put XXXX, XXXX and Equifax on notice for months. I am a victim of identity theft. I sent in police reports FTC REPORTS to no avail. I even identified the persons who stole my information and used it to set up multiple accounts in my name for XXXX XXXX. XXXX XXXX has video evidence of the fraud. this amount to willful non compliance 15 USC 1681N this is hurting me and harming my business and mode of living see attached documented 1 identity theft letters identifying the fraud accounts 2 ftc report 3 police report 4 state ID 5 SSN 6 Proof of address insurance card this fraud listed in my letter is not related to any transaction initiated by me If this continues to report I will send all said docs including this complaint to my North Carolina Attorney General XXXX XXXX please remove asap 15USC1681C-2 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: Checking or savings account

Received a check from CFPB from the XXXX settlement, and deposited it into my Capital One Checking account. It was accepted, and I received an email stating it was accepted, and I could " destroy the check ''. Minutes later I received another email stating their was a delay in my access to the funds because they believed the check would not clear. I was informed that I would have access after several days, if there were no issues with the check.
Product: Student loan

My mother 's social security number was used by my ex sister inlaw for a cosigner on her student loan back in 2006, electronically.. My mother is on social security, XXXX XXXX XXXX and in very bad health. She has been in and out of the hospital and in a XXXX home XXXX. My mother is being harassed daily by calls and letters. Demanding payment, which she can not make, because my ex sister in law can not be found and has been divorced from my brother going on 10 years. My mother never signed anything and Sallie Mae will not send her anything with her signature on it. She was asked for her social security number when she was recovering at my brothers XXXX This harrassment has increased in the last 6 months and effecting my mother 's health in a negative way. This is leading to her having another XXXX XXXX or worse. I need help, because Sallie Mae does not want to cooperate with her or myself. thank you for your time.
Product: Mortgage

Loan has transferred from XXXX to Ditech. When loan transferred it stated I had an escrow account for insurance which was false. Never had one. I have contacted Ditech on numerous occasions to correct the issue without success. Ditech continues to try and impose an impound account that did not exist or needs to exist. They admit to having proof of insurance. I am now receiving collection calls and letters. I have paid my principle and interest timely but not not the escrow amount as it is not owed. To complicate matters I was advised from a Ditech Rep they have not even applied my last payment as of XXXX when the check cleared my bank on XXXX. So where did my $ $ go? I am concerned that a report will automatically go to the credit bureau because of an issue they have refused to address and correct. I find I am in need of some assistance to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries that I don't not recognize on my consumers report & I would like them to be removed immediately. These companies do not have my hand written consent to authorize any type of inquiry on my consumers report. 

I have called TRANSUNION about this matter and the representative gave no knowledge on the future steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have sent several Goodwill adjustment letters, disputed all three bureaus and contacted XXXX XXXXXXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXXthru XX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing you to update my personal information. I submitted a dispute on XX/XX/2022 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These are all inaccurate information on my credit report and it says if i find that its incorrect i must contact XXXX XXXX XXXX or provide them with the report # XXXX. 
I also need to correct the address they have listed. The only 2 that I use is the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX All the rest of address listed is inaccurate ....
Product: Checking or savings account

On XXXX/XXXX/XXXX Wells Fargo fraudulently requested back the {$270.00} payment that was made to my insurance company ( XXXX ) on XXXX/XXXX/XXXX, claiming that i disputed the transaction. 
My insurance company ( XXXX ) notified me on XXXX/XXXX/XXXX, and stated that payment has already been issued to Wells Fargo and refunded back to my debit card ( ending in XXXX ). 

Wells Fargo never tried to contact or notify me and never credited my account the {$270.00} that they received back from ( XXXX ). 
Wells Fargo blatantly lied, claiming to have no knowledge of a refund request, dispute or the matter at hand, when i contacted them on XXXX/XXXX/XXXX. 


( attached bank statement shows & proves my current account balance as of today, the original payment made to XXXX on XXXX/XXXX/XXXX, and no credits/refunds issued back to my account between XXXX )
Product: Credit card

According to title 5 subsection 552, it appears an alleged debt in my name was paid for, can you confirm?

Upon making a request with FOIA, Ive been give information about a 1099-c.

I asked how thats possible?

I never filed a 1099-c, nor have I give power of attorney.

Ive become suspicious of the account.

Are you aware of 1099-c filed in my name without my consent?

I mean, its actually not the worst thing possible.

After you let me know the previous question regarding the 1099-c, could you tell me about any associate certificates?

You havent heard of a certificate of indebtedness, have you?

It sounds bad, doesnt it?

Then again, we have legal tender that satisfies all debts public and private, do we not?

Now, are you aware who filed my taxes?

Also, are you aware a certificate of indebtedness is considered income?

If someone did my taxes without my knowledge, and its unable to locate in my account on XXXX ; shouldnt I be concerned?

Did your company, JP MORGAN have hackers steal my information?

Havent I sent you an affidavit of identity theft? Maybe now it makes sense that my identity was stolen since someone filed my taxes which are accessible on my irs account and it was considered income, weird right?

How could someone file income tax in my name and Im not able to see it?

Now I may be responsible for unpaid income taxes, am I going to jail?

What if I go to jail for tax evasion?

And I told you I had identity theft, and you ignored me?

Its like your company has some thieves using my social security number, have access to my securities, and thats alright, but the owner of the card is denied access, right?

I have only questions, can I get answers?

When did your company find out about taxes filed in my name and are reporting it as income?

If I go to jail because of your companies willful negligence, thats {>= $1,000,000} per occurrence, per officer, per offense, isnt that concerning? 

Actual damages would be like {>= $1,000,000}, and I looked up a case law with XXXX actual damages for punitive damages, wow, maybe identity theft is a good thing, is it? 

I am really confused, your company is doing something with my property, other people can use it, youve had your own hard inquiry and soft inquiry, so why you can use my social security credit but not me, are you paying my bills? 


Can I see the accounting? 

Did you come out of pocket? 

Were you injured in anyway? 

How can I pay for a debt with debt? 

Isnt this a discharge event? 

Arent all debts pre-paid? 

Why arent you answering me? 

Can I pay any alleged debt? 

If I pay any alleged debt, will I have access to my social security card, or have you only let people other than me use it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an unverified inaccurate bankruptcy on my credit report with the XXXX, XXXX, and XXXX and all 3 keep reporting the bankruptcy is verified by the data furnisher LexisNexis. As of XX/XX/21 LexisNexis did an investigate and said there in no bankruptcy in there fields ( see enclosed letters ). But this can't be true, because all 3 credit bureaus keeping coming back said its verified as accurate from the data furnisher lexisnexis. I have tried numerous times with each credit agency to remove the inaccuracy from there files and said lexisnexis has verified as accurate. XXXX XX/XX/21 # XXXX, XXXX, XX/XX/21 XXXX certified bankruptcy. XXXX XX/XX/21 # XXXX # XXXX, XX/XX/21 # XXXX verified as accurate. XXXX XXXX, and XX/XX/21 file # XXXX all still referencing the bankruptcy in there files verified as accurate. Not one time has any dispute come back NO bankruptcy and the common denominator here is LexisNexis.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below, which are inconsistently reported : 30 days late as of XX/XX/2016 on XXXX and 30 days late as of XX/XX/2016 on XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting 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.

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. 

Delete the accounts below : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts reported on my credit file, in accordance with **15 USC 1681c-2 ( a ) **. As a victim of identity theft connected to the XXXX data breach, I have noticed accounts or inquiries that are not authorized by me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Experian immediately block and delete the following fraudulent accounts and inquiries from my credit report : 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 letter to the XXXX and Equifax Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
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 Account number : XXXX Account name : XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

My old apt where I lived in saying I owe them XXXX for rent .NOT true..have paid {$32000.00} to XXXX XXXX with the money that I received that went directly to the landlord from the housing is key program for COVID in California he has cashed both checks I didn't get any of the money it all went to him also if you notice they made mistakes on the paperwork and the dates are incorrect. I have substantial proof that I have fulfilled my financial obligations to the landlord.

And I will be more than happy to send to you.

Specifically, I have evidence showing that my rent arrears were paid directly to the landlord through the Housing Is Key program in two payments : Payment of {$11000.00} made on XX/XX/XXXX Payment of {$21000.00} made on XX/XX/XXXX This totals {$32000.00}, which fully covered my rental obligations for Apartment # XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The XXXX XXXX for this payment assistance is XXXX. 

Both payments were cashed by the landlord, and I have attached receipts and proof, including copies of the cleared checks, to confirm this. These funds were provided through the Housing Is Key program and were not handled by me personallythey were disbursed directly to the landlord to resolve my outstanding rent. I did put a dispute in through the app XXXX XXXX but I did not attach any of this information so I would like it reopened and reinvestigated I did not owe this money I paid directly to the landlord I didn't see a dime of the money. 

In addition, I recently became aware of a lawsuit filed against me in court, which is also based on incorrect information, as my records clearly demonstrate that my obligations were satisfied in full. The claim on my credit report is inaccurate, and it is now preventing me from securing housing, which is causing significant harm. 


I HAVE PROOF AND DOCUMENTATION ON ALL THIS The collection agency was listed as this business here but now they tell me it's been moved over to an attorney an attorney 's office which is completely ridiculous I tried to call that office many times as well as the collection agency with absolutely no help I tried the landlord as well no help there They just tell me refer me to their attorney or talk to the bill collector so no one tells me anything no proof no nothing when I've paid more than I owe The landlord doesn't like me either so that has a lot to do with it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I can not setup automated payments for my XXXX issued by BMO harris. This is some serious Information technology error where very poor quality and cheap XXXX XXXX workers might be hired for IT operations. Reported this matter to BMO harris via secured mail. Wait time on phone is so long.