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

In XX/XX/XXXX, XXXX  GOLDMAN SACHS BANK USA completed a credit inquiry. Upon contact Goldman Sachs, I was told they opened a Apple account in my name/social security number. I notified all that I did not open this account, it was fraudulent and was assured by GOLDMAN SACHS BANK USA that it was closed. At this time, I also locked my credit on the 3 services. 

In XX/XX/XXXX, XXXX notified me that an account was opened via GOLDMAN SACHS BANK USA. I notified all that I did not open this account, it was fraudulent and was again assured by GOLDMAN SACHS BANK USA that it was closed. It did sound like they used the information from the XXXX inquiry to open the account. 

In XX/XX/XXXX, XXXX  notified me of a Delinquent notice on my account by GOLDMAN SACHS BANK USA. Goldman basically said they could not do anything. They did say that since I reported the 2nd fraudulent account in XXXX, it would take until XXXX before the credit bureaus were notified and the delinquent notice should be removed once they were notified.
Product: Credit reporting or other personal consumer reports

Ive noticed a numerous errors after receiving and reviewing my credit reports. XXXX, XXXX, and TransUnion are alleging that the following accounts below are reported to be LATE or POTENTIALLY NEGATIVE without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A. Any and all consent to XXXX, XXXX, and TransUnion ( Furnisher of LATE or POTENTIALLY NEGATIVE information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. 
In addition, urgently request produce and deliver a contract between you XXXX, XXXX, and TransUnion and I, consumer, bearing my signature showing proof that I gave you permission to furnish any information on my behalf. XXXX, XXXX, and TransUnion violated Privacy Act of 1974 ( 5 U.S. Code 552a ) & 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 items XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

My computer hacked, Hackers got into everything on it including my on-line banking acct. with Wells Fargo. Money was transferred from savings acct. to checking acct. and I was not notified of fund transfer which was what bank usually did when funds were transferred by sending e-mail to inform me a transfer had occurred. There was nothing I could do to stop the hackers who identified themselves as " XXXX XXXX ''. Initially they had locked my computer and had a message on line to call XXXX with a phone number to get computer cleaned of any wrong programming. See complaint ID XXXX. 
Wells Fargo refuses to replace any of my funds stolen because they seem to think I had something to do with the stealing. The hackers got away with over {$160000.00}. Wells Fargo has repeatedly said I was at fault because I sent a cashiers check to supposedly XXXX XXXX XXXX to return the amount transferred to my checking account from savings by hackers. That check was only sent to return funds to XXXX that I thought had been put into my account by them in error by their billing department. 
If you can please get through to Wells Fargo that I was REALLY hacked by people posing very well as XXXX employees and to PLEASE replace at least half of my funds I will be very happy to let this situation go.
Product: Credit reporting or other personal consumer reports

Someone fraudulently opened a credit card in my name. I filed a dispute with the three credit bureaus, and so far, Experian concluded the credit card account was accurate. That is simply absurd.

I spent 5 minutes on the phone with the credit card company and found out : ( 1 ) the applicant used an old address, ( 2 ) the store the card was used at was XXXX XXXX # XXXX in XXXX XXXX, CA ( 3 ) the amount of the charges, ( 4 ) the manager at the store can check transaction totals for the day, find the time of purchase and find the corresponding time on the security feed, all to confirm IT WAS NOT ME. 

Experian clearly did not do ANY research and went with the most convenient and cheapest way to resolve a claim. That is NOT providing the services they advertise. They need to be looked into to see if they are even doing any work at all when a dispute is filed. It shouldn't be a case of 'squeaky wheel gets the grease. ' They should actually research and not wait until complaints are filed by XXXX off consumers like me.
Product: Bank account or service

Dear CFPB. 
My problem is with Bank America credit card, Well every month I pay my bill in time, bud always pay more, I pay doble the minimum due, and the account still the same,. And the minimum payment due every month is the same do n't low. How is possible, only low a little big, sometime I thinking the I never going to pay off that credit card. Something important the interest, They increase more I not expected that. What I thing is, they still my money. I work hard only for pay my bills. I thinking is a racist because they call me more than one time as me if Iam XXXX. Yes Iam from XXXX. and my husband Military XXXX XXXX because the war. And my son is military too XXXX. My husbad 30 year in the XXXX. I am a XXXX. Than you for you health. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Factual dispute to XXXX, Transunion and XXXX  on XXXX XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. XXXX  actually removed the late payment and then reinserted it back on credit report. XXXX  has a 90 day late reporting for XX/XX/2018, XXXX  has it showing XX/XX/2018 and Transunion has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a 3rd party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.
Product: Credit card

1. I have a USAA MasterCard. USAA wants to switch to XXXX. They have sent me notices that I can " upgrade '' to XXXX. I have responded that I do not want to " upgrade. '' 2. Reviewing my account on line, USAA has arbitrarily opened a XXXX account in my name. I do not have a new card, have not activated an account - but a new account is being shown as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The collection company Radius Global solutions is attempting to collect a supposed debt owed from the time frame XXXX, in the amount of XXXX which the statute of limitations has past. They have been calling me for months and most recently sent me a text message on XX/XX/23
Product: Debt collection

I am writing to formally dispute Details of the dispute : This charge was not authorized by me
Product: Debt collection

on XX/XX/year> paenell law group llc snd me a debt collcetion and we do not have a contract Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. 

Debt validation includes the following : Who was the original creditor on this account, and what was the account number? 
What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
Please provide documentation that demonstrates I am legally obligated to pay this debt. 
What was the original date of delinquency for this account? 
Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. 

I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. 

In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed.

A copy of this request for validation has been sent to the FTC CFPB AND three national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR INACCURATE, UNVERIFIABLE, INCOMPLETE ACCOUNT WITH XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # ending XXXX is reporting to Experian and XXXX. I disputed this account through XXXX on XX/XX/22. XXXX has failed to record the current status of the disputed information on my credit file. This is a violation under the FCRA under 15usc 1681i. Due to the violation of the FCRA I want the account to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic was requested to investigate on an account that does not belong to me. 

This account also had missing information reporting using terms like N/A, details left blank, - and still CoreLogic choose to send me a response saying that it has completed its investigation. 

Pursuant to FCRA, no reporting agency can report information that can not be verified. Why is this account in my name when it is not mine and can not be verified? 

I am days away from filing a lawsuit against CoreLogic and XXXX for wrongful reporting and willful non-compliance of the FCRA laws. 

This account is so inaccurate that on its CoreLogic XXXX report has the last date reported as XX/XX/XXXX,  while the original CoreLogic has the last date reported as XX/XX/XXXX. 

Both reporting the same account listed as XXXX XXXX. But reporting this account while it can not be verified with missing data. 

After this complaint is closed, if this account is not removed from both reports ( CoreLogic and CoreLogic XXXX ) I will file a suit.
Product: Credit reporting or other personal consumer reports

I have an account from 2016 from XXXX XXXX showing charged off. The account was paid in full. I currently have service with XXXXXXXX XXXX. I called they and said they would remove it. After some time I called again and they told me to file a dispute with credit bureau which I have done. How can an account be paid in full and charged off. My credit is perfect other than this XXXX XXXX XXXX account that should not be on my report. Please help me and have them remove this item. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

Good day Sir /Ma'am, I took out a second mortgage on my home in XX/XX/XXXX with XXXX mortgage for XXXX. After paying almost 2 years on it at XXXX a month my family succumb to financial hardship due to my illness from XXXX. At this time we choose to modify my first and second mortgage through XXXX  XXXX XXXX. I was face to face with the XXXX reps when the modified both and signed agreements. In XX/XX/XXXX years later XXXX DEBT COLLECTOR said I owed XXXX for the second mortgage. After calling around skip tracing, contacting family members, belittling me and wife, and calling weird hours of the day. I finally made a complaint with CFPB. Then for a minute or two we had peace of mind. Then in XX/XX/XXXX we got transferred SPECIALIZED LOAN SERVICES. This company not only add interest back from XX/XX/XXXX till now but, they send both me and my wife FORECLOSURE notices just last week in XX/XX/XXXX for XXXX. Interest fees, late fees, service fees and I am assuming lawyer fees as well. As I look on my county record dept. website I dont see a thing. Ever since XX/XX/XXXX do I see anything referring to a second mortgage. No tax or irs papers for interest, nothing on any of my fica example ; equifax, experian, or transunion. In XX/XX/XXXX I ask them to stop calling me everyday and stop the mass mailings. They continue to call even up to today I block there many number several times. I am not sure if my STATES STATUTE OF LIMITATIONS apply in my case after the barrel rolled the time.Please we need clarity before we lose our home. HELP!
Product: Mortgage

We filed for chapter XXXX and our home was not included. It was discharge XX/XX/XXXX. I called SPS in XX/XX/XXXX to discuss our options ( short sale, deed in lieu, etc. ). The rep stated, since we have children we could get {$3000.00} for moving expenses. On the advice of our attorney, he said to call the opposing law firm ( XXXX ) to find out the sale date of our home after XX/XX/XXXX. I called them on XX/XX/XXXX and left a message asking for this information. No one ever called back. I checked with my attorney and he was unable to find out when the sale date of hour home would be. On XX/XX/XXXX, we received a registered letter stating our court case would be XX/XX/XXXX to confirm the sale of our home! Talk about no notice!!! Three weeks??? Plus, no one would let us know the sale date. I called SPS and they said that we were not eligible for the {$3000.00}. They said because the sale had already taken place. What? I asked why this was n't explained in fall. The CSR said I should have provided a contact number. I replied, " Why did n't the CSR ask for XXXX in fall? Plus, SPS has our mailing information. They could have mailed it if they did n't have the phone number. '' The CSR blamed me for not following up. I told him, " I have never been through this process before, so how would I know? '' He said it was still up to me. Due to the short time frame, we have no place to go to and will be living in a hotel. We have XXXX children and XXXX of them are XXXX. I ca n't imagine how this could have been made any more difficult than it has been. Coming off of a chapter XXXX, we are cash poor and desperately need this money to sustain us while living in a hotel, to cover moving expenses, and to set up residence elsewhere.
Product: Debt collection

Greetings, A debt collection agency by the name of " Receivables Performance Management '', contacted me 3 times in the same day on XX/XX/20 as well as XX/XX/20. I do have an outstanding debt with the original creditor " XXXX '' and we reached a settlement agreement of {$260.00} and have already paid half of this balance. Though the debt is valid, there collection efforts have been illegal two days in the row. 

Phone Numbers called from : - ( XXXX ) XXXX - XXXX - ( XXXX ) XXXX - XXXX
Product: Credit card or prepaid card

I gave my credit card number to a moving company for a deposit for a move. When I was alerted that the charge had come through it was for a different amount and the company name was different than who I gave my card number to. I called the moving company immediately to question why this charge was coming through under a different name. The answer that they gave me was fishy so I asked for a refund and to cancel the move reservation, they refused. I called Capital One immediately and disputed the charge as well as cancelling the card I had given to the moving company. The moving company responded to the dispute with fraudulent documents claiming that I had e-signed and therefore agreed to a cancellation policy. I sent numerous documents proving that I had never received the fabricated documents. I also sent proof that the IP address as " proof of e-signature '' was not my IP address. Capital One would not resolve this dispute saying that " they were not able to review the evidence under Mastercard guidelines ''. I was told by a Capital One representative that the moving company knew these guidelines and therefore submitted fraudulent documents knowing that Capital one would not review any evidence that I provided. I was told by a dispute representative that '' if you give your cc number over the phone you are not protected and are essentially consenting to any and all charges that a company may charge '' This is absolutely sickening, what if this company had charged XXXX and then submitted fraudulent documents backing it up? Capital One would do nothing? I feel that Capital One is complicit in these scams by merchants. Shame on them ....
Product: Credit card

Gm Mastercard services aka Goldman Sachs misled its cardholders and didnt disclose they can reduce your credit limit by over half over night. They didnt say a late payment would result in a loss of credit limit in the contract. And wont provide me with my valid signature on a contract. As soon as the balance was paid the credit limit was reduced by more than half. I tried to close the account down and the company refused. Stay far away from these shady bait and switch tactics.
Product: Mortgage

Flagstar Bank Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX -no escrows -charging {$200.00} for forced placed insurance for a XXXX  day lapse in coverage, didnt send an application, invoice or policy -limited markets for mortgages w/ 100 % increases in premiums -the land is worth XXXX, the building is XXXX, insured for XXXX, the loan is also protected by the land w/out coverage - they are taking advantage of florida residents w/ no disclosure, forced place insurance is arbitrary and Flagstar needs to stop this illegal activity
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the many unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to adversely affect my credit history, causing me significant distress and financial harm. I first identified the fraudulent items on my credit report. Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. This delay in addressing the issue has had severe repercussions on my financial stability and overall well-being. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An extensive investigation into the origins and validity of these accounts, which I believe to be the result of identity theft. XXXX removal of these fraudulent items from my credit report. An explanation for the protracted delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your assistance to remove the following fraud items : Please help me remove these Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I tried to log on to my USAA account for the first time in a few years. I talked to a security specialist, who unlocked the account, then promptly relocked the account so we can't pay bills. All of our bills a due to come out in the next day or two, none will get paid. USAA says there is nothing that can be done. No one in the company can fix it. 

I'm pleading with the CFPB. I realize you won't get this resolved any quicker, but I hope it helps the next person in this situation. It's not a good place to be in.
Product: Credit reporting or other personal consumer reports

none of the below companies were authorized to pull credit. They are not active/open accounts and they need to be removed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FORD MOTOR CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX