23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00}.
Product: Debt collection

On XX/XX/XXXX a collection account appeared on my credit report from Eastern Account Systems of Connecticut in the amount of XXXX. 
The original XXXX was XXXX XXXX. After contacting XXXX XXXX and confirming that I did not owe that amount and had a credit balance of XXXX XXXX. 
I contacted Eastern account Systems to verify the accuracy of the account and complain that no notice or contact was received from the company. After complaining that they were required to allow me to verify the accuracy of the debt. They sent a first contact letter dated XX/XX/XXXX, with an inaccurate amount and the original creditor name and account number. 
After disputing the accuracy with the three Bureaus, Eastern account systems continues to report inaccurate information on my credit report which is a violation of the fair credit reporting act.
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. 

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  has violated my rights. Or a 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: Checking or savings account

Bank of America has two accounts opened up under my name, one is a Bank of America Advantage Plus Banking ( checking acct XXXX ) and secondly is a Bank of America Advantage Savings ( savings acct XXXX ) that were opened up, just not by me. 

Info on Bank : Bank of America Corp. 
Centralized Account Opening- deposits XXXX XXXX XXXX XXXX , Az XXXX An account for XXXX XXXX Credit accounts was opened ( under my social security # ) I called XXXX XXXX to have it closed, verifying who I was. ( under very fraudulent terms ) XXXX TOLL FREE : XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the proof to XXXX XXXX, & Equifax that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XXXX/2021, XXXX/2021/ & XXXX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.
Product: Student loan

I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. My school location was XXXX College, XXXX XXXX. I still receive letters from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contracted and paid XXXX to XXXX XXXX to locate and retrieve a judgement amount of XXXX awarded by the court in Minnesota. XXXX XXXX has provided no useful information or services ad advertised.
Product: Checking or savings account

US Bank Executive, XXXX XXXX, is new on the Advisory Board for of Step Up for Students, and now over XXXX Florida families are blocked from accessing our childrens state educational scholarship funds without utilizing a US Bank issued and controlled card. These funds are provided by the state of Florida and managed by Step Up for Students. 

There are no US Bank branches in the entire State of XXXX instead, parents are being directed make cash withdrawals from XXXX ATMs for our childrens educational reimbursements. 

We are also being coerced into opening up a US Bank accounts. They are claiming that the XXXX XXXX XXXX requires certain documentation to comply with the banks request. I do not want to give US Bank my social security number, or my childs, in order to receive scholarship reimbursements.
Product: Debt collection

For the past couple of months, several individuals have been contacting from the same phone number claiming to be lawyers from the offices of XXXX, XXXX XXXX XXXX and Cooper, Hoffman, Klein & Associates. They have called my personal cell phone and my place of work several times a day, every day. I have repeatedly asked them stop calling me at work because I am not allowed to receive phone calls of this nature at work. They have not complied and continue to call. When they call, they yell at me on the phone, tell me that they are sending someone to come arrest me immediately, and usually end up hanging up on me. I have repeatedly asked them to send me a validation letter of the debt that they say that I owe and the refuse. I have also asked them for an address so that I could send a written request to them to stop contacting me at work and they have refused this as well. They have even called my work and told my employer that they were sending a cop to come arrest me right that moment. They have told me that I have committed check fraud and that I have written hot checks.
Product: Debt collection

I was contacted via email from company called alliant capital management stating that I owed a debt from XXXX XXXX/XXXX  XXXX. Spoke with XXXX from alliant capital. He said he would accept payment of {$350.00} as settlement for debt of {$880.00}. Made payment on XX/XX/2021 with credit card. Was promised a letter stating debt was paid. Still haven't received any notice from alliant capital. I have called and emailed several times no response. I called original creditor and they still have debt outstanding and have no record of alliant capital management handling this debt. I believe I was mislead into paying this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen an auto loan that reappeared with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX from XXXX on my Equifax credit report that was disputed and removed back in XXXX. The debt is reporting as negative with lates and this account does not belong to me. This debt needs to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX GA XXXX ; ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several charges on my credit report through XXXX. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XXXX of XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both XXXX and Equifax the same information an have not received a responce Equifax was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also XXXX was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/XXXX.
Product: Credit card or prepaid card

Wells Fargo claims that I had a credit card with them ending in the number XXXX which for the longest time was used to monthly auto-pay an account in meal pal for XXXX. This card was on auto-pay from my savings account in wells Fargo. This went on for over 2-3 years before I even noticed it. Upon noticing, I brought it to wells Fargo 's awareness and they have done nothing to solve it. I canceled my savings account with them and all banking relationships with them. To make it worst, they sent me another credit card ending with XXXX and have started to chase us for some pending payments ( which we never incurred ). This is real harassment. We receive a call from their debt collection agency every Saturday at XXXX XXXX and a letter from them every month where we have made it amply clear to them that we have nothing to do with it. 

I am sensing that this is part of a larger fraud here and looking for help in resolving it. not sure how many other consumers might have similar issues with them. 

XXXX
Product: Mortgage

Beginning in XXXX of 2019 we began working with Cardinal FInancial Company in XXXX NY in an attempt to secure an FHA mortgage. XXXX XXXX Loan Originator | NMLS XXXX, assigned his newly hired cousin, XXXX XXXX, who does not show as an agent on their site. 
This dragged on for 8 months as they constantly lost paperwork which I would resend from the original email to prove I was complying with their requests. 
We were given several tentative closing dates beginning in XXXX, XXXX and XXXX. 
With Covid luming we were panicking about furloughs. They told us not to worry there was a 6 week grace period. My daughter 's company furloughed her last as they knew our situation. Well, our lawyer and XXXX were waiting for the place and time and the night before closing they told us the rules had changed and deal was dead. 
Prior to that, three weeks before this XXXX date we received a call at XXXX from Mr XXXX XXXX us we needed an additional {$10000.00} to show in our bank account, of course I panicked. I was then shouted at by Mr. XXXX, money or deal is dead! I managed to pull it off. 
They also had us pay off numerous accounts and wanted us to pay off my car loan at the table. They made numerous promises to my car loan company which obviously all fell through. 
There was a conversation between my daughter and Mr XXXX, because he had me so upset, in which he proceeded to scream and curse and her telling her it was a tough deal and it was our fault, to get an apartment. This conversation was about a month before it fell through. 
I spoke with their advocacy department who referred us to the manager, which was Mr. XXXX.! from there it went to the east coast manager whose lack of professionalism explained why the local office operated the way it does. 
We were promised the inspection money returned to us, which of course did not happen and is the least of our worries. 
In spite of Covid we are back on track and have attempted to secure a loan with two other lenders. Apparently Cardinal did some irreversible damage to us. 
The home we have been renting for 10 year will be going to auction and we will be homeless as of XXXX during a pandemic and with an XXXX  XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  show 2 closed charge off accounts on my credit report. XXXX shows an open, re-aged account as of XX/XX/2019. I do not have ANY open accounts with Wells Fargo. They are reporting incorrect and missing information. They have also listed the accounts as a profit loss and have wrote it off as bad debt but are still claiming a balance of these accounts. I disputed the information with XXXX, XXXX and XXXX on XX/XX/2019. Subscriber reports dispute resolved - consumer disagrees was the result with the Bureau 's and Wells Fargo not providing any proof of validation. The investigation was completed. The negative sill appears on my credit report. 
Their improper procedures are highly damaging to my credit score. Please immediately delete these accounts.
Product: Credit reporting or other personal consumer reports

These hard inquires were done on my credit reports without my authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOBILOANS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hello on XX/XX/XXXX I was served with a retainer letter on the attempt to collect {$5200.00} from the original Creditor XXXX XXXX by XXXX XXXX XXXX contacted XXXX XXXX XXXX to help me correct the issue according to my recollection everything went fine 2 weeks ago I came across this other letter on XX/XX/XXXX with the same XXXX XXXX XXXX with a different Law Firm WiNN LAW GROUP I have been searching all over the internet called all sorts of law offices to no avail today I came across this site Consumer Finance.gov because during the research I spoke to this fine lady she mention this site I'm ever so thankful now I find myself in a situation with no help in sight I'm so worried thta they might start to garnish my XXXX XXXX I have a very small hours part time work and that sums it all please help me in any way for guidance to solve this humongous problem for me that is ..in one of my interviews with a attorney last night he mention that XXXX XXXX XXXX failed to filed a petition about the case to the court ... thank you ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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

Ive had to speak with customer care every month since the card has been opened because the first time my payment was sent back because there was one number incorrect on the account number and ever since then my account has been placed on a block. I am unable to make payments online whatsoever and have to always calling my payments which is extremely upsetting and its XXXX me off because I am never late on any of my payments! Auto pay does not work and have had continuous trouble and Im tired of speaking to Customer Care because of these issues not only am I being charged late fees but your guises algorithm is reducing my credit line thinking that I am not responsible when I am!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names, date of birth, and addresses are reporting on my credit file that is incorrect. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

Received numerous calls from XXXX XXXX at Atlantic Recovery Solutions ( ARS ) from XXXX, NY, stating she was an account representative and was working on behalf of their client to collect a debt. I informed her I do not have a debt with the creditor mentioned and asked for verification. She stated that she does not need to verify anything. I asked her to stop calling me, my place of employment, my husband and my relatives after which she hung up on me. I then sent a Cease and Desist and Dispute letter via fax to their offices after verifying someone named XXXX XXXX worked there.
Product: Debt collection

In XX/XX/XXXX, I signed a XXXX contract for XXXX XXXX XXXX monitoring ( which at the time was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called XXXX about moving my service to a new address since I had just moved. They told me my monthly charge was going to go up and I'd have to buy new equipment. I told them I didn't want to do that and I wanted to cancel services. They said that, since I signed a contract for 36 months, that they would continue to charge me until XX/XX/XXXX. I told them I wanted my services cancelled as soon as that period ended. I also asked for a copy of my signed contract and for something in writing saying I cancelled. They told me they would email me my contract, but they never did. They also told me that my call was documented in their system. I asked for an email or something else confirming cancellation, but they continued to just say it was documented in my account. After that conversation, I continued to pay every month through XX/XX/XXXX even though I did not have any services through them. However, in XX/XX/XXXX, they tried to continue charging me. I had to dispute the charge with my bank and ask my bank to do a stop payment, since I had already asked XXXX to cancel my account and stop charging me once the contract had ended. After that, XXXX continued to try to charge me every month and added late fees as well. I was not under contract with them at this time, did not authorize them to charge me, and had already requested my account be closed in XX/XX/XXXX. They continued to attempt to charge me every month until XX/XX/XXXX, at which point they decided to finally cancel my account and then they sent it to collections. Now they are saying I owe them {$390.00}, but these are all charges accrued after my contract period ended. They were not authorized by me to continue accruing these charges yet they sent it to collections and put it on my credit report. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these negative items ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$86.00} OFF LEASE ON XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX XXXX opened XX/XX/XXXX under the account number XXXX, an secured loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an secured loan account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and collections appearing on my fraudulent items be removed from all reports These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.