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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from United revenue Corp I have no knowledge of this account it isnt mine!
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts ; letters are attached below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Credit card or prepaid card

I initially reported a fraud claim to Barclays Bank in or about XXXX of XXXX. Since that time Barclays has repeatedly failed to correctly handle the fraud claim. In addition Barclays has been reporting my account in default to the credit bureaus for amounts that should have been waived due to fraud. 

At this time there remains XXXX fraud charge of {$36.00} to a XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  that posted on XX/XX/2022. All other fraud amounts have been removed. I don't understand why this amount remains on the account as it has been repeatedly reported to Barclays. And transaction records clearly show I was XXXX XXXX XXXX away from XXXX XXXX at the time of the charge at issue. 

My account has accrued interest and non-payment fees due to Barclays continued failure to properly address this fraud claim.
Product: Debt collection

Have received 28 calls from callers identifying as American Express from XX/XX/XXXX-XX/XX/XXXX. The 28 calls are from 12 different numbers with CIDs " American Express '' and AMERICANEXPRES '' as well as " Private Caller '' and " Out of area ''. 

Only one of theses calls actually left a recorded message ; CID " TOLL FREE CALL '' XXXX on XX/XX/2018 at XXXX ; " This is American Express ..., this is not a telemarketing, ... talk to you about an important matter, call back on XXXX, M-F XXXX, Sat XXXX, Sun XXXX ''. Never any mention of who was being called or what the important matter was. 

I am not an American Express cardholder so I called the official website Customer Service number at XXXX on seven ( 7 ) different times ; XX/XX/2018 ( talked to XXXX in XXXX ),  XX/XX/2018 ( talked to XXXX and XXXX in XXXX XXXX ), XX/XX/2018 ( talked to XXXX in XXXX and XXXX in XXXX on the " Credit Team '' ), XX/XX/2018 again ( talked to XXXX and XXXX in XXXX ), XX/XX/2018 ( talked to XXXX in XXXX FL ), XX/XX/2018 ( talked to XXXX in XXXX ), and XX/XX/2018 ( talked to XXXX and XXXX in Security/ID Fraud in XXXX ). 
Each time the Customer Service Rep assured me that ( 1 ) I was not an American Express cardholder ( no active card ), ( 2 ) no one was attempting to open a card in my name, and ( 3 ) there were no late or delinquent payments notices. 

I requested that since I was not an American Express cardholder they should remove my number from any lists in American Express, marketing or otherwise. That request has not been granted. 

We are all warned ( even from the Federal Government ) not to answer calls if we do not know who they are from and/or not to give out personal information to strangers calling ( possible scammers or crooks ). We are instructed to call the number on the back of the card. However, if we don't have a card then the only legitimate number is one listed for Customer Service on the company website. That is what I did but have not received a satisfactory resolution to my complaint from American Express. 

More details included with attachment to this complaint.
Product: Credit card or prepaid card

A police report was filed concerning a fraudulent charge on my Wells Fargo credit card. The police report was forwarded to Wells Fargo. It was not acknowledged by Wells Fargo ; they didn't respond or remove the charge off. I pay off the fraudulent charge. I still have a copy of the report that was filed.
Product: Debt collection

PORTFOLIO REVOVER ASSOC IS reporting XXXX collections accounts on my credit report. Each account shows an account open date for XX/XX/2019. No date of delinquency. 

Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent.

I have never received any notice of this collection. I have not entered into any contract with Portfolio Recovery Assoc.

I requested from PORTFOLIO REVOVERY ASSOC the following in order to validate the legality of this debt.

1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract.

2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA
Product: Credit reporting or other personal consumer reports

I have disputed the same accounts with this agency as it still reporting inaccurate and incomplete information. Pursuant to section XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand that the items listed on the attached letter is deleted from my report.
Product: Payday loan, title loan, or personal loan

I did not authorize my account and information to be transferred to a third-party company. This loan to my acknowledge was paid in full by my bank at the time. I have not gotten any notifications from Spring Oaks Capital nor have I signed a contract with their establishment agreeing to any payment. Spring Oak Capital purchased the account for pennies on a dollar in hopes to collect on this account that was already paid in full through my bank.
Product: Vehicle loan or lease

I requested a payoff of my Chrysler Capital auto lease to purchase the car and received the payoff letter dated XX/XX/XXXX by email. The payoff included the vehicle purchase price, purchase option fee, unpaid vehicle property tax ( {$330.00} ) for XXXX, and miscellaneous fees all of which I agreed with. I sent the total payoff amount paid by cashier check issued by my bank to Chrysler Capital by courier. The payment was posted to my account XX/XX/XXXX. On XX/XX/XXXX I received a demand for unpaid vehicle property taxes of {$380.00} for XXXX. In reviewing my past account statements I found that the company incorrectly allocated my payment of {$690.00} on XX/XX/XXXX to the base lease {$650.00} and sales tax of {$39.00}. The allocation should have been base of {$350.00}, property tax {$300.00}, registration fee {$15.00}, and sales tax of {$21.00}. 
My complaint is that Chrysler Capital ( aka Santander Consumer USA ) misapplied my property tax payment in XX/XX/XXXX, collected an additional {$330.00} at the time of pay off, and is overbilling me for {$380.00}. I have told each agent I spoke with that I am in agreement that the {$330.00} was an estimated amount and that all I owe is the difference between the requested amount and the amount included in the payoff amount. My account reflects " past due '' although I paid the full amount in the payoff letter by the stated date.
Product: Credit reporting or other personal consumer reports

Dear EXPRESS COLL, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that EXPRESS COLL has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent forEXPRESS COLL to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that EXPRESS COLL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that EXPRESS COLL will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Payday loan, title loan, or personal loan

My grandma was sick and I needed money for the bills so I took out a title loan for XXXX $ ( @ 175 % APR ) in XXXX of XXXX now. on XX/XX/XXXX my grandma passed away and I'm left with all the bills, I'm a XXXX XXXX XXXX XXXX that was hit hard by COVID and I explained this to the title loan company but they towed my car when I was visiting my friends apartment after 2 missed payments that is XXXX total but when I called them they are trying to charge me XXXX to get it back and that's not paying the tow fees and if the car gets sent to auction they said there will be more fees. I got a letter in the mail saying my car would be sent to auction after XXXX but when I called them to retrieve my belongings on XXXX they said my car was sent to auction already..
Product: Credit reporting

i disputed court information in my credit report with Trans Union credit Burea on XXXX/XXXX/2016 did not hear from them until XXXX/XXXX/2016 the took longer than 30days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am workinging with a lender on XXXX t nightI applied for a loan. By XXXX am XXXX I began receiving calls and texts from other lenders. I received XXXX calls and XXXX texts in one day. When I asked how they received my information they all said fro. trans union. 
I never had to sign up to use trans union it is an automatic punishment for needing credit in this world. I only have access to my own credit report once a year, I can't even get an accurate credit number. yet somehow they have a right to sell.my personal.information to anyone. if I could fire them I would but again I have no choice. This in itself is some sort of fraud but to then sell my information. They should be dismantled.
Product: Credit reporting

The credit reporting agencies are incorrectly reporting my current account status as XXXX120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX I faxed XXXX A six page complaint including drivers license Social Security card and a police report.in result to faxing them this I have contacted them over eight times verified their fax number and a department that it was sent to and they are constantly telling me that there 's no documents uploaded to their system or no way to locate my personal information. They refuse to give me any other updates and telling me that I have to dispute each account one by one and seeing in the documents over which I stated to them that I am not in the US and therefore all the documents have been sent to the US and not able to do so at the time.they also told me that it will take an additional couple of days from the initial time that I sent and the complaint the representative then open up disputes on that account I asked to backdate them to the XXXX which I was given the answer no. This is very unfair to me and my family because my credit is how I support my family without Credit I can not get a place to live a decent job to take care of my kids as a single mother I am all my kids have.
Product: Student loan

My spouse and I called Navient on XXXX/XXXX/16 to ask if we can lower repayment amount. They ran our credit report without our consent. They said, " I am running your credit '' after the action. At that time, I did n't say anything, but they should have asked me before the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax and XXXX  report have my XXXX XXXX account stuck in a past due status. It was paid off in full when it was 60 days past due but it is still stuck in a 60 day past due status. XXXX has updated it to paid as agreed, but when you look at XXXX  and Equifax, they show the account as : account delinquent 60 days past due. 

This is hurting my credit score and it shows that I am currently delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

These inquiries I did not make on my report this is fraudulent
Product: Checking or savings account

I have a robin hood account for investing, I have around XXXX in my account by the time robin hood decided to lock me out of my account with no actual support to help me resolve this issue. Robinhood flag me because I was traveling in XXXX for two weeks and decided to lock my account permanently. When I return there is no actual way to contact support to get my money back
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Checking or savings account

The Discover online savings account jointly owned by me and my husband, XXXX XXXX, was fraudulently accessed twice, once on XX/XX/2023 and again on XX/XX/2023. On each occasion the person who accessed our account processed a wire transfer for {$20000.00} ( XXXX XXXX XXXX  ). At the same time someone used all the DiscoverCard points accrued on our credit card to purchase six {$200.00} XXXX XXXX e-certificates. Total dollar loss to us is {$41000.00} That figure includes two {$30.00} wire transfer fees charged us by Discover. 
On XX/XX/2023, I immediately phoned DiscoverCard Fraud department as soon as I got the first email from Discover informing me of the wire transfer. At first, I thought the email was a scam but initiated a call to Discover just to be sure. The Discover employee I spoke to assured me there were no wire transfers showing on my account and felt the email to be a scam. They also declined my offer to forward the email to their security department -- saying it was not necessary. Later that same day a second email from Discovercard was delivered to my email inbox and it said essentially the same thing. At first I thought it was just a second attempt at fraud since I had not replied to the first email. But, just to be sure, I phoned DiscoverCard Fraud department again. As a result of that second call to them they did acknowledge that there had indeed been two wire transfers made from our savings account. An employee named XXXX on their Wires Team filed a dispute regarding those transfers and also changed the account number on our savings account. He suggested it would take two weeks to process the dispute and get any information back. 
I changed both my ID and password and then made another call to Discover, trying to determine how our account had been accessed so I could take any further steps available to protect the account from any further fraud. I have spent 3 days on the phone being transferred to one department after another, just to be told that department had nothing to do with my situation only to be transferred again. On just one day I was transferred and re transferred, speaking to eight different Discover employees. 
What Discover has done for me so far is to file that we a dispute the transactions. They also said they would, as a courtesy to us but not anything that they were required to do, send a request to the two banks the funds were transferred to asking that the funds be returned. Based on all the conversations I have had with Discover I believe that, as far as Discover is concerned, the only hope we have of getting our money back is if the receiving banks return the funds. 
This situation has been made much worse by Discover 's employee giving me the wrong information on my initial call and since then I have experienced stonewalling, 'that 's not this department, I have to transfer you ' again and again. They will provide me with almost no information about the transactions including XXXX codes or IP addresses, information without which I can not file a XXXX complaint with the FBI.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act these following companies has violated my rights.

15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. balance : {$220.00} original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} Date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Credit on XXXX-19 and I got a denial of credit. The reason is past credit not paid. Yet all the credit was included in Chapter XXXX BK and should not be affecting me as it was discharged 2 years ago. The credit reporting agencies also keep ageing the debts included in the BK.. 
2nd complaint I tried to remove a fraud allert on my credit files in writing. All 3 agencies returned a letter stating it isn't there but, I'm getting denials for it being there.
Product: Mortgage

I have made payments every month. My mortgage company, Mr. Cooper has cashed my checks. They are now saying I have not made a payment since XXXX, but I have made those payments and the checks have cleared the bank. I am attaching copies of cashed checks as well as a spreadsheet that shows every payment made since XX/XX/2018. 

They have not paid my taxes and insurance even though they have received the money. 

They have not applied the payments to my principal amount. 

They are saying the amount I owe is XXXX. 

Mr. Cooper has stolen my money and mis-appropriated the funds they have been receiving.