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

I pull have alerts set up on my credit as a result I received one stating that I have a collections account. I the called the place of business only to get brushed off by a staff member because I did not want to provide my personal identity information. I was not comfortable doing such because I have never done ANY BUSINESS with the merchant requested and I am not even sure how they were able to just plaster their info on my credit report without even have said proof. 

I DO NOT have any account with XXXX XXXX in fact I have never step foot on their property in over 2 decades. In fact, when I noticed a charge on my bank account initially back in XXXX of 2021, I immediately filed an unauthorized dispute with my bank. They closed the account and I thought that was the end of it. Now, they put an account on my credit when again I did not sign up for any account. 

Lastly on XXXX I called XXXXXXXX XXXX  and explained that I personally was not the one who made the change on my card but knew who did and the charge was not authorized. I did not wish to prosecute the person because it was someone from my XXXX XXXX XXXXXXXX XXXX daycare center who also is a minor. At this point I feel like they took advantage of a situation and wish to hold someone accountable. However, that person is not me, I was working when this occurred and again DID NOT give anyone permission to use my bank card/XXXX XXXX or any financial Information to sign up for an account with these people. 

Nor did I sign anything EVER with the merchant agreeing today for anything. I tried to resolve the matter almost a year ago but they are now being vindictive to go the extra mile trying to force me to pay for what is clearly an unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is in reference to a collection account that has been placed on my Transunion, XXXX and XXXX credit bureau reports. The account I am disputing is XXXX XXXX, a collection account for {$700.00}. ( The original creditor is noted as XXXX XXXX XXXX. ) I have no record of opening any credit card account with XXXX XXXX XXXX, and am disputing this account as inaccurate/not my responsibility.
Product: Checking or savings account

I am filing a complaint against U.S. Bank due to the abrupt and unexplained closure of both my checking and savings accounts following the deposit of XXXX paychecks from a consulting engagement. 

I worked with a company for XXXX months and was paid via XXXX checks : {$2100.00}, issued from XXXX  XXXX XXXX, deposited into my U.S. Bank checking account ending in XXXX {$2700.00}, issued from XXXX XXXX, deposited into my U.S. Bank savings account ending in XXXX Both checks were later returned by the issuing banks, though I deposited them in good faith and had no reason to believe they were invalid. I fulfilled my consulting duties and was expecting legitimate payment. 

After the checks were returned, U.S. Bank closed my accounts without warning and has since restricted my access to all funds. I contacted their support line and spoke directly with XXXX, a XXXX in their XXXX Customer Service team, who informed me that they could not provide any timeline for releasing or returning my funds. I have not received a written explanation or formal notice regarding the account closure. 

My most urgent concern is that I am a Social Security XXXX recipient, and my benefits are normally deposited into these now-closed accounts. These benefits are my sole source of income, and I am now at risk of missing mortgage payments, utility bills, and other essential expenses. 

I also attempted to escalate this issue by emailing U.S. Banks executive resolution teams, but both email addresses ( XXXX and XXXX ) bounced back as undeliverable. 

I am a victim of fraud, not the perpetrator. I deposited those checks in good faith after completing real work, and U.S. Banks response has placed me in serious financial jeopardy through no fault of my own.

I respectfully request the CFPBs assistance to : * Ensure U.S. Bank provides a clear explanation of the account closures * Confirm whether any Social Security funds have been returned or held * Ensure I am not negatively reported in XXXX  or credit bureaus for this situation I am prepared to provide documentation including images of the returned checks, proof of deposits, my consulting agreement, and a log of communications with the bank.
Product: Bank account or service

Ally Bank allowed someone to open an account in my name ( fraudulently ) without using my correct address. I would assume any reputable bank would have better protection measures in place to verify someone 's identity. 

Ally ( after recognizing their mistake and after I notified them the issue ) continues to send correspondence to the wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} Discharged XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX DISMSD/CLSD XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX. XXXX, XXXX DISMSD/CLSD XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX nquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

First, Bank of The West refuses to grandfather me into their " Free For Life '' account, I opened on XX/XX/XXXX, where the counterfeit check was paid. A new account was opened. 

Second, on XX/XX/XXXX XXXX XXXX wrote a counterfeit check to XXXX XXXX for {$1100.00} he used my routing number, account number but not my bank information instead he used " XXXX XXXX XXXX XXXX California CA. '' On XX/XX/XXXX, while reviewing my XX/XX/XXXX/XX/XX/XXXX bank statements, for a project, I stumbled upon this counterfeit check. I completed the banks fraud form but was informed my funds would not be refunded. 

I do not know these people however, once the suspects are found, I will press charges. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

looking over my credit report over and seen there are unauthorized accounts on my credit that does not belong to me and need them removed. this is holding up my process of purchasing a home and i have a legal right to dispute anything on my credit report that does not belong to me here are the accounts : 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

Hi I opened a 0 % introductory APR for 15 statement dates, and if you spent {$1000.00} i would receive a {$200.00} credit. Okay I finally received my {$200.00} credit. However, they charged me {$5.00} interest. I Called to question this on XX/XX/2020 spoke to a XXXX complaint Ticket Nbr. XXXX said he would look into it. He claimed there was no such credit card. I told him I could send him a copy of the advertisement if he wanted it. This credit card is from AAA Financial Services through Bank of America. 
I received a letter from Bank of America dated XX/XX/2020 acknowledging the complaint. But when I checked on my account they still did not credit the {$5.00} so on XX/XX/2020 - I complained again - and tracking nbr. XXXX again they said they would credit it. So.on XX/XX/2020 they credited the {$5.00}. 

now i got my new statement dated XX/XX/2020 and i was charged {$3.00} interest for what? my balance by the way is {$0.00} no new charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, XXXX performed a hard inquiry that appeared on my Equifax credit report. Equifax will not remove this upon request, as they state this inquiry is a matter of fact. I do not have an account with XXXX, nor was I in contact with them at any point during this time period. This is an unauthorized or fraudulent inquiry. On XX/XX/XXXX, I contacted XXXX to have this removed. I spoke to four representatives on two separate occurrences and was give two answers : First I was told that this inquiry was not done - this is factually and indisputably false. Second, I was told there was nothing they can do to help me, which is a blatant violation of FCRA. Nobody I spoke with can provide any record of this being authorized, so by law it must be removed. I demand that the proper steps be taken to take this unauthorized inquiry off of my records.
Product: Checking or savings account

On XX/XX/2022, a man name XXXX XXXX promised to refund me {$190.00} from a XXXX sports subscription I had taken out in XXXX of 2022. I never gave him my username nor my password. But when he wired my money to my BMO account, he claimed he sent me {$9800.00}. On XX/XX/2022, he went into my Saving account and Transferred {$11000.00} into his XXXX account. I went into BMO Harris Bank and complained that I never made nor Authorized that transfer. XXXX XXXX the bank manager said there was nothing he nor the bank could do. I filled a complaint against the BMOBank, # XXXX  XXXX XXXX. XXXX Police Report # XXXX, O.C.C complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts that were reporting incorrectly on my credit report. After the investigation was completed. I received an updated report from Equifax showing the accounts had been deleted. Well 2 days later all the accounts that were disputed and removed were placed back into my account. Also all my closed student loans that have been consolidated were placed back on to my report as individual accounts. I called the credit reporting agency and was told I need to dispute the items all over again.
Product: Debt collection

Capitol One sent collection notices in me the consumer XXXX XXXX in XXXX collection on an allege debt. I am the consumer and original creditor of the debt pursuant to 15 USC 1602g- The term " Creditor '' refers only to a person who both ( 1 ) regularly extends whether in connection with loans, sales of property oar services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a Finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face-off the evidence of indebtedness or, if there is no such indebtedness, by agreement. 



Capitol one sold my private information to a debt XXXX XXXX XXXX XXXX. A third party should not have access to my personal. 

Capitol One you give me the biggest headache thinking about the alleged debt you claim I owed you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had T-Mobile service for XXXX month prior to canceling my account. I paid my bill in full. Somehow, XXXX opened a second account in my name, when I realized they were double charging me I asked them to fix it and they said they closed the second account. Now, they are claiming I owe money on that account. I initially called and they said that my bill was paid and when I asked them to check the account number on the bill I was told that the account was canceled and they were unable to see it. I them sent them a letter certified mail ( XX/XX/2019 ) asking for a detailed bill showing where I owed XXXX, which they failed to provide. I received a letter from a collection agency on XX/XX/2019 for {$91.00}. I then contacted the FTC ( XXXX ) to report the issue. I disputed the validity of the collection under Southwest Credit XXXX with both XXXX and XXXX. XXXX allowed me to upload documentation showing the debt was invalid and already disputed, but XXXX did not. XXXX said that the debt was valid which is not true and and I should not be held responsible for a mistake on the part of XXXX.
Product: Credit reporting or other personal consumer reports

Per 1681 ( e ) ( b ). They are reporting charged off on XXXX different months.
Product: Credit reporting or other personal consumer reports

Original : XXXX XXXX XXXX Collection co : National Credit system /Account # XXXX/ For the amount of XXXX XXXX 
I do not owe this debt. These charges is completely fraudulent. I was on month to month ( one month at a time ). After 13months of being on month to month, leaseing agent gave me a written notice via text terminating our month to month agreement. I was told in that notice that i could no longer be on month to month, and to vacate if I didn't complete a renewal by XX/XX/XXXX. I complied, i moved out. Leaseing agent completed a residency verification so I could move into my current place. I signed my current lease XX/XX/XXXX move in XX/XX/XXXX. XXXX XXXX then added fraudulent charges, after I moved out and received my written notice. I am being charged for 3 months after I moved out even though month to month is one month at a time. I have repeatedly uploaded this written notice via text that I deemed as a proper notice to terminate my month to month agreement. payment ledger show payment stopped when i moved XXXXwhich lines up with notice.I have given ncs the same info though disputing, XXXX complaint, and calls. I n the messages I'm repeating telling them I moved, and they still added fraudulent charges every month I have made ncs aware of this and they continued to update this on my credit report after they bought this fraudulent account. The lease and payment ledger was sent to me by National Credit system. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX, has violated my rights. 
15U.S.C 1681 section 602 A states, I have a 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 written instructions.
Product: Student loan

I hope this message finds you well. I am writing to urgently bring to your attention a significant issue I have been facing with my student loans serviced by Mohela. 

I initially filed for the XXXX XXXX plan and was subsequently transitioned to the XXXX plan. Following my first payment in XX/XX/XXXX, I encountered an unexpected problem. XXXX of my XXXX loans were randomly switched to the " XXXX '' plan without my authorization or clear communication from MOHELA. The lack of notice became apparent when my XXXX bill suddenly reflected a monthly payment XXXX times greater than the payment in XXXX. 

Despite multiple attempts to resolve the issue by contacting MOHELA, the situation persists. During each call, I am transferred " up the ladder '' to various supervisors, enduring hold times often exceeding XXXX hour. None of the MOHELA representatives I spoke with could explain how or why the error occurred in transitioning XXXX of my loans to the " LEVEL '' plan, and the matter was not corrected during the call. In XXXX, the proposed solution was to place my loans into a processing forbearance until XX/XX/XXXX, with the assurance that this would allow ample time for investigation and correction. However, the processing forbearance has just expired, and unfortunately, nothing has been corrected. 

Additionally, every attempt to speak with someone who has the authority to correct the issue has been thwarted. Despite being told I am being transferred to a supervisor during each phone correspondence, I end up on hold with the automated system disconnecting my call while waiting to speak to a supervisor. Regrettably, I have neither received a callback nor been provided with a direct means to contact a supervisor. Consequently, I must call back, reiterate my situation, be transferred multiple times, only to face disconnection again, resulting in hours wasted. 

Thank you for your time and assistance. I sincerely hope for a prompt resolution and look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax Information Services LLC for failing to resolve a dispute regarding an unauthorized hard inquiry on my credit report. Despite my formal request for investigation and removal under the Fair Credit Reporting Act ( FCRA ), Equifax has not taken appropriate action. 

Details of the Complaint : Unauthorized Hard Inquiry : Creditor/Company : FACTUAL DATA Date of Inquiry : XX/XX/year> Credit Bureau Involved : Equifax Violation of FCRA : Section 604 ( 15 U.S.C. 1681b ) : The inquiry does not meet permissible purposes, and I never authorized this inquiry.

Section 609 ( 15 U.S.C. 1681g ) : I formally requested validation of the inquiry, including written proof of my consent, but Equifax has failed to provide sufficient documentation.

Section 611 ( 15 U.S.C. 1681i ) : Equifax has an obligation to investigate disputes and remove inaccurate or unverifiable information. To date, they have not removed the unauthorized inquiry. 
Impact on My Credit Report and Finances : The unauthorized inquiry has caused harm to my credit score, affecting my ability to secure favorable credit opportunities. Equifaxs failure to address this matter undermines my rights under federal law and exposes me to potential identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS NOT UPDATED MY CREDIT REPORT SINCE XX/XX/2019. I HAVE NOTIFIED EQUIFAX ABOUT THIS PROBLEM, BUT EQUIFAX HAS IGNORED ME. 
THIS IS A SERIOUS PROBLEM FOR ME SINCE MY CREDIT UNION USES EQUIFAX EXCLUSIVELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid19 Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( XXXX XXXX at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip three months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to XXXX XXXX company. XXXX found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. XXXX then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with zero investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them six months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before XXXX ruined it. 

XXXX Still wont communicate with the new lender and inform them of the previous agreement recently was told XXXX is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN SIX MONTHS. 

ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!
Product: Money transfer, virtual currency, or money service

I am a victim of a crypto scam. I had 0 knowledge on XXXX so I became a target of the crypto scammer. 
As soon as my money from bank arrived at Crypto.com, I sent them to the wallet addresses ( which I thought as the legitimate investment ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. However, it turned out that I was investing in a phishing site and all of my money were gone to the scammer. I contacted the customer service at Crypto.com on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to request to recall my transfers ( as all of them were sent to the scammer ) and to receive information on the scammer ( from the wallet addresses I sent my money to ). 
Crypto.com told me they can not reverse the transfers and just told me they can only provide the transaction hash that local enforcement can use to track down the scammer. Crypto.com also said they can only cooperate with the legal authorities only if they can a request from the authorities.
Product: Debt collection

calls about family members credit using legal threats and abusive language. this person has never lived with me at this address.
Product: Student loan

The current loans affiliated with XXXX XXXX account have been paid in full and do not reflect the record. Please audit the accounts and see that a perfected security interest secured the loan agreement. Please send further investigation to the security exchange commissioner to verify secured collateral of loan