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

I disputed negative and inaccurate and incomplete information on my credit report with all three bureas XXXX, Equifax XXXX on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of seven unauthorized hard inquiries from my credit report, as I did not authorize them. The disputed inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information. My personal data has been compromised in both a COVID vaccine data breach and a dark web data breach, increasing my risk of identity theft. These unauthorized inquiries are the result of fraudulent activity, and I request their immediate removal. 

I have attached a copy of my FTC Identity Theft Report to support my claim. Please investigate this matter and provide documentation proving my authorization for these inquiries. If you can not verify my consent, they must be removed under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

XXXX XXXXXXXX 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: Mortgage

Nationstar Mortgage, XXXX, and Mr. Cooper have fraudently claimed that I have missed payments and falsely reported such to XXXX and XXXX starting XX/XX/XXXX. I received a XXXX XXXX mitigation in XX/XX/XXXX which Nationstar never processed correctly and fraudently claimed multiple times that Nationstar Mr Cooper were completing in XXXX and XXXX and XX/XX/XXXX. I completed a loan modification XX/XX/XXXX ( after making full payments for a 3 month trial ending XX/XX/XXXX ) with XXXX Nationstar Mortgage Loan XXXX which was completed, signed and certified, and states the outstanding balance due to XXXX XXXX  mitigation would be added to the loan principle. XXXX even sent me a check stating they had overcharged me on the closing of the modification XXXX. I have submitted monthly payments of XXXX to Mr. COOPER every month since XXXX. MR. Cooper has fraudently refused to apply my payments made by direct check sent from XXXX XXXX since XXXX. Mr Cooper also claims i have made no payments for XXXX  days, which is blatently false and an act of fraud against XXXX XXXX XXXX XXXX XXXX, have notified tagents at Mr Cooper several times, as above, since XXXX and they refuse to correct the situation. I spoke to XXXX at Mr Cooper today who stated the property is 'in foreclosure ' for nonpayment even though payments were made. She claimed to be 'escalating'the review of payments. Payments were sent and are missing from my mortgage payments on XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Mr Cooper has violated the law in making false reports to XXXX and XXXX, are defrauding me by refusing to apply payments sent per contractual agreement dated XXXX, and has discriminated against me by failing to implement my XXXX hardship mitigation which was rightly and correctly submitted by me. Mr Cooper has also apparently misplaced multiplr payments sent to them which they are required by law to document and further credit to my account.
Product: Debt collection

States date opened XX/XX/year> not even familiar with said date! Under Law 15 USC 1692c ( c ) without consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt! As stated Ive never affiliated with this company. As this account is reporting on my credit.
Product: Credit reporting or other personal consumer reports

Theres an hard inquiry on my report from Capital XXXX and I called into TransUnion to remove it and they told me that XXXX XXXX has to send the letter so I called XXXX XXXX. I told him that its fraud and Capital XXXX sent a letter to XXXX  and to XXXX and Trans Union everyone moved it besides Trans Union Trans Union didnt remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Money transfer, virtual currency, or money service

https : //www.coinbasedapp.net/dapp/ # / In cionbase dapp, they charged me {$100000.00} to do investment. I earned {$370000.00}. When I withdraw my money, they didnt let me do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 45 days ago on XX/XX/2022, I sent letters to XXXX, XXXX, and Experian informing them that I needed the method of how some inaccurate accounts were " verified ''. I have yet to receive a response and I feel this matter is not being handle properly. I feel as if I am being taken as a joke. No response in this amount of time should result in automatic deletion according to the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/2023 I entered a TD ATM machine to withdraw {$40.00}. My account had roughly {$350.00}. I took my money and walked away. Less than one hour later, I opened my TD Bank ap and saw - {$700.00}. I looked and saw my card was missing and that I had probably left it in the machine. I literally ran back to the bank frantic as life has not been kind to me lately, financially, in many ways. The bank manager sat me down, calmed me down and assured me he would be putting in a report/claim immediately and more importantly, provisional money, would be given to me within 48 hours. I never received that provisional money. I just learned today that my claim was Denied! I found this, as did all the TD bank reps I spoke with via phone and in person to be a cut and dry case of fraudulent activity. I was told cameras were not looked at which baffled me. One rep said I would need a police report in order for cameras to be looked at which 1 ) is outright scary 2 ) wouldnt you want to see the perpetrator and get the funds/situation handled to the right person? I have spent all day, XX/XX/2023 at police stations, doctors for stomach issues ( bleeding internally/can provide documentation ) and TD branches trying to rectify this situation.I borrowed this money from my mother who has lived the last 2 years as a widow to my father, who lost his life to the co-vid XXXX virus. We are struggling mightily to recover from losing this {$1000.00}. ( It was 2 {$500.00} transactions ) ( it was a female, white, hospital employee ). I am almost certain this is whom stole my funds/used my card. I am being told my claim is denied because another individual knowing your pin. I stood inside a TD bank today and literally watched as people put their pin in the machine. It is not difficult to view the numbers from a distance. I am scared, hungry my mother and i need this {$1000.00} In order to maintain a feasible lifestyle. We just want the bank to give me {$1000.00} back. I dont know if anyone will ever read this but God bless you if you find it in your heart and knowledge of this field to help me recover this money to give back to my mother. My name is XXXX XXXX. Thank you more than you will ever know.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second 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 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 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 reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I was notified by Citi ( Citi Bank ) on XX/XX/2018 that my credit card payment was past due for XX/XX/2018. Both mine and the company 's records show I made a payment on XX/XX/2018. Their caller stated that that payment was not for XXXX, it was for XXXX. Therefore, i owed an additional {$280.00} which included XXXX 's payment, a late fee, and XXXX 's payment just to make the account current again. 

I hung up and called the company direct, given I was notified via telmarketer. I went through 3 individuals and finally ended up with an " account manager '' named " XXXX '' who informed me the same, stating they could not adjust the payment for XXXX because it was made on XX/XX/XXXX and not XX/XX/XXXX. This was due to " Government Regulations. '' They then stated they would " adjust '' my late fees because they were so concerned for me, but only after I made the entire payment, which by the way, included the late fee. This is both deceptive, unethical, and in my view, fraudulent. They then threatened to raise my interest rate arbitrarily and charge more late fees, if the amount was not settled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : 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 The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them Hard copies which I did but they never received them of course, nor did XXXX. It is an XXXX XXXX XXXX from XXXX of XXXX, I have called XXXX XXXX 3 times and they can not even find It in their system, but all 3 bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took 30 minutes 2 verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has American First Finance for {$2400.00}, the other 2 have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXX XXXX, 5 times XXXX  response 3-time disputing XXXX XXXX : Our reinvestigation of the dispute ( s ) and/or another request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only 2 inquiries on XXXX  XXXX  XXXX on XX/XX/XXXX and XXXX XXXX  XXXX on XX/XX/XXXX so Please tell XXXX and XXXX to take all those 27 other inquiries off of my XXXX report since they will not help me!!
Product: Debt collection

On Tuesday, XXXX/XXXX/16, at approximately XXXX I received a call from a male person identifying himself as XXXX. XXXX claimed to be calling from Everest Receivable Services, XXXX, NY XXXX. The telephone shown on monitor showed as XXXX. I have received numerous calls from unknown telephone numbers such as these and typically would not answer since my phone is private unlisted and used for work purposes only. 

XXXX told me he wanted to verify the mailing address of " XXXX XXXX '' he did not pronounce my birth name in full and then when I tried to find out the reason he was calling my private cell phone number, he wanted me to verify the last XXXX digits of my social security number ( often a ploy from subjects committing identity theft fraud schemes ). He stated that he wanted to verify my address as XXXX XXXX XXXX. XXXX stated that he needed to verify my identity based on Federal Statute Requirements. Yet when I asked him to cite the code section for the Federal Statute he did not know it. 

I have been a victim of Identity Theft in the past and have been in contact with your agency concerning this ongoing problem. I have also filed several complaints with the Federal Trade Commission concerning problems such as this. 

This consistent relentless harassment is becoming emotionally distressing and has effected me in my personal as well as my professional life. Phone calls have been made at my place of business, at my home, at my elderly parents home, and even at my family members ' personal phone numbers. 

I do not believe this type of business practice is appropriate, let alone lawful. 

What steps can I do to stop all this harassment?
Product: Debt collection

XXXX XXXX XXXX has continued to report inaccurate information on my credit reports each month. I have called inquiring about the account number associated with the account and they have sent me letters indicating that my account is closed and in satisfactory condition. As the months continued, I have checked my credit reports and this company is still reporting on my credit reports. So I called them and asked " why are they still reporting negative information on my account? '' She asked for the account number and I gave it to her. She said that this account has a zero balance and I told her that was correct and I have the letters that were sent to me showing that. I was put on hold and then she comes back and tells me that the account that I had has a new account number and has been sent to collections. First of all, how can I get a new account number and it's sent to collections when I have received information that my account was satisfied. On top of that, on my credit report, it shows that I have an original balance of {$3800.00} but I owe over {$7700.00}. This amount continues to go up every month. This company has deceived me and wants me to pay this amount of money in which I refuse to do because my account has been satisfied. They are unfairly reporting inaccurate information and this is detrimental to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$35000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$21000.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Collection account. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Account charged off. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8700.00} Status Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been back and forth with capital one in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, Capital One is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of Capital One trading and selling on my name unauthorized. Pursuant to the 10k sec filings ( indenture agreement ) Capital One failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

Payment was made via autodeduct from my checking account for the amount due on my mortgage escrow account on XXXX XXXX 2016. Since then the mortgage service company ( Paramount Residential Mortgage Group ) has been calling, demanding an additional payment for XXXX. When I discussed this matter, the respresentitive said they will not investigate the payment, and my bank says it 's difficult to provide proof since the auto deduct was completed by PRMG. Now I have an outstanding balance, and fear my credit will be effected.
Product: Credit card

I have a Chase British Airways XXXX card. I have always paid off the entire balance. APR is 15.24 % so I would never ever consider carrying a balance. The statement period that ended XXXX/XXXX/15 had a balance of {$20000.00}. I made total payments {$20000.00}, there was also a credit in the amount of {$16.00}. Thus the balance to be carried over to the next statement period was {$380.00}. My mistake but I figured that it would n't cost me much. I was quite surprised when I reviewed the XXXX/XXXX/15 statement -- interest in the amount of {$54.00} was charged. I discovered that Chase charged full interest on a balance of {$4200.00} that would appear during the next billing period. I think this is grossly unfair, My position is that I should pay interest only on the {$380.00} difference stated above. After reviewing complaints on your site I have learned that this is systematized. This makes Chase standout as a first class loan shark. I am questioning whether I should continue to do business with Chase. I hereby request that Chase refunds me the difference between {$54.00} and the approximate {$4.00} that I should have paid on a {$380.00} balance. This means a refund of {$49.00}.
Product: Mortgage

I paid {$800.00} towards my mortgage for the month of XXXX with Navy Federal Credit Union and was charged twice, with the second payment of {$800.00} being applied entirely to principal. I found this out when I noticed there were two charges for {$800.00} on my XXXX XXXX XXXX account effective XX/XX/21. This second charge was not authorized, and I have reached out to both NFCU and XXXX and neither company was able or willing to resolve the situation. This is a very frustrating situation and I'm unsure of what to do, but it feels as though the money was stolen from me. If NFCU is unwilling to help, would filing a police report be necessary?
Product: Checking or savings account

XX/XX/2018 Schools First blocks access by external app to make electronic payments on my behalf.
Product: Debt collection

15 U.S. Code 1692e.False or misleading representations