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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.XXXX XXXXXXXX Balance Owed : {$71000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX Balance Owed : {$3300.00}.
Product: Credit reporting or other personal consumer reports

Find out more than 2 credit cards ( XXXX XXXXXXXX and XXXX XXXX XXXX ) was reported to my credit, the same day i called both banks and explain them that i dont know nothing about those cards .right away, i report it to the police and follow up with the banks ( XXXX XXXX XXXX and XXXX XXXXXXXX ) but especially capital one did not want to fix/solve the issue all they do was adding interest instead of fixing the issue.
Product: Credit card or prepaid card

On XX/XX/22 a retail loan was opened with Kickoff lending LLC in my name with a balance of {$24.00}, I never applied or opened an account. with the above company nor have I ever heard of them I tried calling the company to inform them of this problem however there is no customer service or a prompt to speak to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX XXXX reported to XXXX   a debt that belongs to a corporation to my personal credit report. I opened a dispute with XXXX   ( Report Number : XXXX ) claiming this debt is not my personal debt. The XXXX XXXX account is a corporate account that was never tied to my personal data and the debt ( which is in dispute ) should not be reported on my personal credit. Furthermore, my personal data ( SS # and/or DOB ) was not used when the XXXX XXXX account was opened in XX/XX/XXXX. I requested XXXX to request XXXX XXXX to provide proof ( in form of documents that clearly display my signature ) and if none provided by XXXX XXXX I requested XXXX to remove the debt from my personal report. There is no documentation linking me personally to a corporate debt and lack of such proof should be be used to remove this negative report from my personal credit report.
Product: Mortgage

On XX/XX/XXXX Flagstar Bank sent me an escrow analysis which indicated a negative balance of {$1100.00} and an overall shortage of {$3800.00}. The shortage was due to my mortgage transferring to Flagstar in which they failed to verify if my homeowners insurance had already been paid by the prior servicer. In that time, Flagstar received a bill from my insurance provider and they paid the amount, effectively double paying the premium in XX/XX/XXXX in the amount of {$3400.00}. As such, we were now expected to have our mortgage payment increase by {$320.00} monthly effective XX/XX/XXXX to cure the shortage created by Flagstars errors in boarding and escrow management.

I contacted Flagstar to resolve the matter and they said I needed to resolve it with the insurance provider. I asked for a complaint to be noted and stated Id file one with the CFPB. I did not receive the required complaint notifications as required under RESPA. Further, the agents on the phone were unaware of who the CFPB was, which puts into question the qualifications of the companys staff to properly service escrow accounts in accordance with their regulatory obligations.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, Bank of America closed a joint account I held with my ex-wife after she unknowingly deposited a check from a closed account. I had no knowledge of or involvement in this deposit, and I did not authorize or benefit from it in any way. 

Six months later, Bank of America also closed my personal checking account, which was entirely separate and had no fraudulent activity whatsoever. Following this, Bank of America reported Checking Account FrauXXXX under my name to Early Warning Services ( EWS ). As a result, I have been unable to open new bank accounts. XXXX closed my newly opened account after only 10 days due to this false report, and I have experienced significant financial hardship and reputational harm. 

I filed a dispute with EWS in XX/XX/XXXX and submitted an affidavit from my ex-wife clearly stating that I had no involvement in the check deposit. In addition, my ex-wife contacted Bank of America directly, and a BOA representative confirmed to her by phone that I was clear and not associated with any wrongdoing. Despite this internal acknowledgment, no correction has been made. 

My EWS report also contains serious reporting errors : It lists the same joint account twice once correctly as a joint account, and again falsely as a personal account with an overdraft. 
My personal Bank of America account is still listed as Present, even though it was closed in retaliation for an issue I was not responsible for. 
Bank of America took no steps to investigate my role before closing my personal account. I was a loyal BOA customer for over 12 years with no history of misconduct. The closure of my account based on a situation outside my control was unjust and has had serious consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. Here are the list of items that needs attention in my file : 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
Product: Credit card or prepaid card

On XX/XX/XXXX I took XXXX dollars from a ATM. On XX/XX/XXXX I saw that my account had two ATM charges for XXXX dollars Four minutes apart for the XXXX of XXXX. So XX/XX/XXXX I immediately filed a dispute for duplicate charges. I was told it would take up to 45 days to resolve my issue. On XX/XX/XXXX I'm recieved a email saying they closed there investigation and no error occured. I requested the documents they used to make there decision. I was told this would take 10 days. They sent me a secure link on XX/XX/XXXX. I did not see the secure link until XX/XX/XXXX. When I opened the link it was a receipt from the merchant for a single ATM transaction of XXXX dollars that said cash dispensed. I told them that's not my dispute and I should be credited the amount to my account since it has been more the 45 days. They then told me t he ey were still working on it and a final desicion will be made by XX/XX/XXXX. This has gone back and forth since. I got another email on XX/XX/XXXX saying they made there desicion and my rebuttal provided no proof. I told to them I did not rebuttal and they should credit my account. It's been well over 45 days and in that email I included a few attachments as proof they messed up. Today XX/XX/XXXX I received a email from them saying they received my rebuttal and documents and to allow them 45 calender days to respond.
Product: Checking or savings account

I was due to have one overdraft fee on my account, the financial institution rearranged my transactions retroactively to apply additional NSF fees. Calling to have the issue resolved helped with the first fees mentioned, however, two additional fees of {$38.00} were applied to my account. All agents and representatives advised their policy allows for two fee reversals per year. I immediately opted out of overdraft, but still remain in the negative about 3.5 hours of my hard earned labor due to this financial institutions consumer harming business practices. The file below shows reasonably the fees were legitimate, however, after contacting ALL the merchants affected, I was advised that the charge they're showing was FULLY debited from my account two days prior to this, meaning that BBVA restructured the transactions to maximize the amount of fees on my account. I have spent 14 hours on the phone between my bank, merchants, and this seems to be the final option to resolve this issue caused by predatory banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY ANOTHER, ACCORDING TO FCRA COLLECTION/CHARGE-OFF IS CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. COLLECTION ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSE. THESE ARE VIOLATIONS PLEASE REMOVE AND SEND UPDATED REPORT 1.XXXX XXXX XXXX
Product: Debt collection

I filed an dispute with CFPB in XXXX and Wakefield failed to answer the dispute in a time manner, when they did response the repeated the same response that was given 120 days ago. XXXX dental was paid in full at the time of service, the insurance company gave XXXX dental a preauthorization prior to me recieving service and XXXX confirms they paid the preauthorization amount in full, they is not else owed. This claim is fraudlent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to my initial complaint made on XX/XX/23. Transunion mailed my results but did not provide their method of investigation. Who did you speak with from the companies? What date did you speak with them? What is the address of the companies? What is their telephone number? Provide the disclosures between me and the companies of me giving them permission to report on my credit. According to 15 U.S.C 1681 section ( a ) ( 4 ), I have a right to privacy on my consumer report. I did not consent to these companies to report, and they are in violation of my rights.
Product: Credit card or prepaid card

I have tried to get additional assistance from American Express due to lack of work or funds. They have offered a payment plan however I have expressed to them that I don't have funds to make the payments. I have asked for a couple of months deferral however they will not offer that to me. I am in an area that has been hit by COVID 19 in a major way. I live in XXXX Texas. This area is one of the highest affected by COVID 19. American Express will not help me with extending the payments due to this problem. I'm not sure what else to do at this point but to report them because they are not offering any assistance to extend payments until things get better in this area. Please help me in my situation with them. Thank you!
Product: Credit reporting or other personal consumer reports

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX  any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX  | identified a discrepancy with account listed under LENDMARK FINANICAL SERVICES and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXXXXX  the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX  there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided XXXX police reports, an FTC identity fraud report and all required documentation to Equifax regarding fraudulent inquiries on my credit report over XXXX weeks ago and they are the only reporting agency that has failed to correct the information on my credit report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please See the attach File!
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote a dispute to the 3 major credit bureaus TransUnion, XXXX, and XXXX. The account that this complaint is about is XXXX  XXXX XXXX ( Account ending in XXXX ). I asked the credit bureaus to investigate because the balance should be XXXX. It is a charged off account which has been sold to debt collectors, I say debt collectors because I have received 2 notices from two seperate companies telling me that I owed a debt, with the original creditor being XXXX  XXXX XXXX. Now I am getting a response to my dispute from XXXX  XXXX XXXX as well, on two occasions. One on XX/XX/XXXX and one on XX/XX/XXXX. Both state I owe a blance of {$470.00}. So now XXXX  XXXX XXXX is illegally charging me a balance after selling my debt to not one, but two debt collecton agencies, which are also contacting me to pay this debt. I want this inaccurate account removed from my credit report and updated the balance to XXXX immediately. This is highly suspicious activity and honestly I would not mind getting a lawyer at this point because XXXX  XXXX XXXX is supposed to be a reputable company but now it turns out they are looking to collect a debt from ME as well as sell my debt to TWO debt collectors to get even more money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts below has violated my rights. 

Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending : XXXX Account Name : XXXXXXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX XXXX Account Number Ending XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name XXXX Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of Ed/XXXX  Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXXt Account Number Ending : XXXX Account Name : XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX Account Number Ending XXXX XXXX Account Name : XXXX Bank Account Number Ending : XXXX 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, also states a consumer report agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an USED XXXX XXXX XXXX, on XXXX from seller XXXX. I received the miner around the first week of XXXX. Before I used the miner I  contacted the seller and expressed that the condition of the item should have been in better condition for the price I paid. He replied that I should have only bid the amount I was willing to pay, and that I had " buyers remorse. '' A few days passed and I set up the miner, on XX/XX/XXXX I contacted him through XXXX  messages again and told him one of the boards inside the miner wasnt working, and that one of the fans was damaged. He responded on XX/XX/XXXX he sent me a return label to my email and once he received the miner he would test it and send me another one. It was sent via XXXX and delived XX/XX/XXXX. 

Tracking XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX To make a long story shorter I misplaced the tracking information after it was delivered and continued contacting the seller ( several times ) through XXXX asking what the status of my replacement was. Last he told me he couldnt find my order, and needed more information. He had my order number, name, email and he sent the return label. I dont know what other information he could need. He has since no longer been in contact with me. 

I disputed the charge with XXXX, but they only offer a money back guarantee for 30 days and I was outside that window. They told me to go through XXXX since I paid through them and they offered a longer protection window. I contacted them several times. The first time I opened the case on XX/XX/XXXX. I was told the case was closed due to lack of information on my end. I reopened the case XX/XX/XXXX. The case was closed again. First XXXX said they couldnt track the return. I then asked to speak to a manager he told me the case was closed because the seller revoked the return authorization. Its very upsetting that XXXX wont offer any assistance in this situation. Thats why this service is used so that people dont get scammed like I have. The rep then told me that I should pursue my credit card company since I have no contact information for the XXXX seller. I opened a case with my credit card company as well, but they needed more information, once they received the information to support my case they told me too much time has passed and they cant do anything to help me with this case. 

Afgter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, having my personal bank accounts compromised and credit cars opened in my name. I have filed FTC reports for the Identity Theft and my bank accounts was closed due to my accounts being compromised. I have provided XXXX XXXX XXXX XXXX with the FTC report for the identity theft and they are still attempting to collect the fraudulent debt. They are using account statements and fraudulent payments that was processed from my bank account that was compromised as verification of the account. I did not open the accounts. Someone had access to my personal information and applied for the cards. I did not give XXXX XXXX XXXX Bank to the authorization to report any information to my credit file. Pursuant to the Gamm- Leach- Bliley Act I have to give a financial institution permission to report on my credit file. I was also not given any chance to opt out. They are in direct violation with the FDCPA for attempting to collect a debt that I do not owe. I am being harassed and abused. They are also violating the FCRA and violating my right to privacy reporting this alleged debt that was created due to identity theft of my personal and bank account information. I do not consent to any reporting and I demand these accounts be deleted immediately. I also demand the debt be XXXXXXXX XXXX  out in their system.
Product: Checking or savings account

Bank of America fraud department will not give me my funds back. Someone took my money from my bank account
Product: Credit reporting or other personal consumer reports

I found out online that I am a victim of Equifax data BREACH settlement, I've tried to get my credit report and show proof that I have tried to dispute issues and I can't get it because I would have to send my identity and other forms. I'm left in the dark on this and I need to get my life back on track. 
I can't get any form of financial assistance or even a credit card or store credit. I need my information for the settlement and I can't provide it. Also other settlements going on that I didn't know about that I would be involved in, I want disputed. I've had nothing but problems All my adult life with trying to get my credit good so I can live the American Dream. Please Alert Me when my information is BREACHED hacked sold. This is embarrassing and important it gets taken care of. 
Thank You.
Product: Payday loan, title loan, or personal loan

Received call from XXXX XXXX the beginning of XXXX about my not making my XXXX payment. I explained that I don't have the money until the XXXX  Wednesday of the month ( soc.sec ck ). Received letter from them dated XX/XX/2018 saying I was two months behind, XXXX payment due XX/XX/XXXX have 5days grace. Letter stated that if I didn't make payment they were going to repo my car if I did not respond within 13 days from the date of the letter for the balance of {$280.00}. I borrowed {$230.00} added note that I would pay extra each month to get caught up. Didn't hear anything from them. Now I am receiving calls from them. I changed my phone number so I wouldn't get any more calls.