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

I have been disputing inquiries with all  XXXX  bureaus since    XXXX  2017 .   My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX     2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 disp utes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS, ONE MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard INQUIRES, it is prevented me from obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I got a derogatory note on my credit report from PennCredit ( Collection agency used XXXX XXXX ) for an amount of {$600.00} ( balance ). It was reported XX/XX/2022. I have spoken with two representatives from XXXX XXXX and PennCredit to validate the debt. The services for this debt were provided in Texas ( XXXX XXXX XXXX XXXX, XXXX, TX ). I have never lived or visited Texas. I can prove I've been living in Florida for the last 6 years.
Product: Mortgage

We initiated a refinance back in XXXX of this year, XXXX, for our current mortgage with XXXX XXXX which closed in XXXX of XXXX. As appropriate, our loan broker submitted for subordination from our US Bank HELOC account that we opened in XXXX of XXXX. In addition to the order of closing dates of the two loans, ALL documentation ( including county recorded title documents ) reflect that our existing home mortgage with XXXX XXXX is in FIRST position, while the HELOC that was opened subsequent to our home loan is in SECOND position. Despite the complete and total clarity of documentation, US Bank refused to agree that they are in second position, which completely blocked our ability to refinance. We resubmitted several times, we called any number of US Bank reps, I sat at a local branch and pleaded with staff ( who FULLY agreed with me ) to help. The final answer we received after multiple attempts to clarify was that US Bank would not budge. We had provided them ALL the needed documents ... it was not a matter of record, it was a matter of complete and utter refusal of US Bank to look at, respond to, and act appropriately on the documents we provided. At this time, we are unable to refinance due to this egregious and indefensible error on US Bank 's part.
Product: Credit card or prepaid card

On XX/XX/2022, I requested a payroll card from Payactiv. They stated that it would take 7-10 business days to receive it. Over the course of a few weeks, I was sent notices that my card was on the way, that the card was delivered, and how to activate said card. 

On XX/XX/XXXX, I got a notification email that my card was returned. I called and asked why it was returned and they stated that i wasnt physically home to have it hand delivered to me, even though the emails stated to check my mailbox. 

I called the company on XX/XX/2022, to request a new card, and they stated that I would receive the card in 7-10 business days. I called in XX/XX/2022, to see why I hadnt received my card. I was told that the time to request a new card had expired and that they would have to reissue the card.

I am frustrated because I still have a temporary digital card but I am unable to retrieve funds from an atm. I had to do a transfer from the temp card, then transfer the funds via XXXX to place it into my checking account. It should not be this hard to just get a payroll card and Payactiv has made it impossible to get a straight answer or decent customer service. I do believe that they are deceptive and doing this on purpose to aggravate their customers.
Product: Credit reporting or other personal consumer reports

I file this complaint to compel LexisNexis to honor my request to opt out of XXXXXXXX XXXX promotional lists. According to the attached letter dated XX/XX/2023, I failed to submit my date of birth and social security number with my request. Quite frankly, this is a false assertion. It seems that LexisNexis and XXXX XXXX XXXX would rather continue to make money selling my personal information while knowing full well that I have been the victim of identity theft. That is honestly disgusting. I have attached my drivers license, birth certificate, social security card, passport and a recent cell phone bill. Although it should be unnecessary to do, I have also attached the ID Theft Report I filed with the Federal Trade Commission to refresh LexisNexis ' recollection of the theft of my identity. I have stated this fact to LexisNexis many times, including in prior CFPB complaints. I expect my opt-out request to be honored forthwith. My XXXX XXXX XXXX is XXXX.
Product: Credit card

I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XX/XX/2015 and XX/XX/2015 and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please.
Product: Credit card or prepaid card

I transferred the balance from a Synchrony Bank/XXXX card to a visa. I transferred the full balance and I balance of {$150.00}. I wrote Synchrony bank and they did not respond in writing as they said they would. I just received a message to call them. I warned them they were going to be reported.
Product: Debt collection

Hello, XX/XX/XXXX I opened up a credit card acct. with Wells Fargo. The credit card was eventually Charged-off of my acct. with a balance of {$400.00} owed. In XX/XX/XXXX I decided to dispute the account and noticed that Wells Fargo had increased the amount due to {$670.00} and also added the late payment dates of XX/XX/XXXX and XX/XX/XXXX even though the acct was already Charged-off. I wanted to make sure this wasnt an illegal practice of aging or something different. Thank you
Product: Credit reporting or other personal consumer reports

I have already disputed this acct with Transunion the original acct is Tbom/Confin for {$1400.00}, this acct was apart of my identity theft/H-trafficking case with Transunion and now on XX/XX/scrub>/25 it came back from third party company as a collection acct.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I was not approved for an account due to the reporting system. The information is somewhat accurate and can be resolved in order for me to open a checking account. It's that simple.
Product: Vehicle loan or lease

XXXX XXXXXXXX XXXX reported that I was 30 days past for the month of XXXXXX/XX/XXXX to all three credit bureaus. I was not 30 days past due. I was past due but not 30 days. They also reported that I was 30 days past due for the month of XX/XX/XXXX, which I also, was not. I have attached my statements showing my payments were made within the reporting window and that extra payments were in fact made as well. They only reported that I was past due for XX/XX/XXXX to two of the three credit bureaus, XXXX and XXXX. They reported that I was on time for XXXX. 

Also, in XX/XX/XXXX they reported that I was 30 days late to XXXX. They reported that I was on time to XXXX for that same month. Again, I did pay past the due date however, I was not thirty days late. I have spoken with them on three different occasions and they refuse to correct this information. On one occasion I was advised that I was not 30 days late but that since my account was paid past the due date that it was within their rights to report that I was past thirty days. On another occasion the representative agreed with me but said there was nothing he could do but send me a print out of my payment history which I could provide to my mortgage lender, and on the last occasion I was advised that I had been late other months from the year prior and should just leave it alone.This is  impacting my credit unfairly and it is false reporting.
Product: Checking or savings account

I recently got approved for unemployment on XX/XX/XXXX they released the funds in the amount of {$4000.00} on XX/XX/XXXX I recently received the bank card from us bank relia card i called and activated my card and my funds wasnt on there. I called unemployment on XX/XX/XXXX And they did everything on their end to locate the money. And the money being held was not on them it was on relia card unemployment provided a debit transaction number and the date of the deposit and the amount and said I needed to call relia card and that is everything else they needed to locate the money. I then called reliacard and talked to a customer service representative I explained the situation to him and ask him to look for my funds using the debit transaction number he implied I had to do a missing funds despite I replied No to him and told him Im not doing a dispute so you can can interest off of it, and then I ask him to look up my deposit using the debit transaction number he said he did which was a lie, Then I ask him to get me a supervisor on the phone and he did and she got on the phone and implied I do the dispute also I implied to her no Im not doing the dispute because my funds shouldnt be missing I ask her to look up my deposit with the debt transaction number and the amount that I was provided by unemployment with, which unemployment told me this all relia card would need to locate the deposit and get the deposit back into my account and she implied she could not do that they only thing they tried to get me to do was a despite which im not doing because it will legally give them the right to hold my mom longer so they can gain interest off of it! A dispute in a bank can take up to 10-30 working days they have already had my money for 2 weeks now. I live in a hotel paying day to day I fought for my unemployment for 7 months I need my money to live on and I dont have time for corporate greed to be the deciding factor on why they are not releasing my money theres no missing money there only trying to make more money off of me than they already have! I see they already have lawsuits from the same type of treatment to other consumers You would think that they would stop treating people like this but unfortunately unemployment people are targeted by banks to make financial gain off our struggles I need someone to advocate for me to get relia card to comply with the rules of banking
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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. 

15 U.S.C 1666b Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Mortgage

In XX/XX/XXXX my husband and I divorced after 30+ years of marriage. We did not have attorneys but came to an amicable agreement on terms and I was awarded the home at XXXX XXXX XXXX as part of the agreement. We were in bankruptcy at the time but our home wasn't in bankruptcy and we thought I would be able to refinance. We found out I couldn't so we entered into an agreement where my ex-husband would pay me {$500.00} per month towards the mortgage as it was previously financed using his income and he was still on the mortgage. We planned to have him sign the quit claim after the bankruptcy was completed. He failed to keep his end of the agreement causing me to fall behind in mortgage payments starting XX/XX/XXXX. The bankruptcy was completed in XX/XX/XXXX and he has refused to sign the Quit Claim in order for me to refinance. On XX/XX/XXXX we went to court where the judge ordered him to sign the Quit Claim to remove him from the Title and Deed to the property at the closing of the refinance. I have tried forebearance loans, forgiveness programs through XXXX, refinancing but either XXXX XXXX XXXX is needed to send his documents and sign for the forebearance and he won't or he is needed to sign the Quit Claim ( I had a refinance ready and was at the closing in XX/XX/XXXX ) but he won't. I am currently in Covid Forebearance with Truist. They have reported to my credit that my balance is XXXX XXXX and that I'm not behind but they will not produce a current statement with the same information and I need this to refinance with a current lender. Truist promised to help but is not giving me the documentation they promised and that I need to move forward and save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXXXXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX, my investment in Coinbase ( Bitcoin ) is stuck in their " vault '' because my secondary email address is no longer available to transfer money out of the vault. The secondary email address was deleted due to non-pmt and can not be restored. I contacted Coibase initiallyXX/XX/XXXX, and they sent me a canned email saying they have to transfer the money out of the vault themselves and will contact me later. I contacted them again each month since ( 4 times in total ) and recieved the same canned emailed. Meanwhile I have lost about $ 12k because I could not sell the investment in XX/XX/XXXX. Every month I keep losing money because I can not access my investment that is stuck in the vault.
Product: Mortgage

The United Mortgage Company contact me in XXXX 2016 and I was told by a gentleman by the name of XXXX that they can lower my mortgage payments by {$100.00} per month. At this time I owned my house for almost one year and thought I could use the extra money each month. The incentives were I would not have to pay the new mortgage for 2 months, lowered monthly payments and no closing costs except I would have to pay the loan officer, title company and other incidentals in the amount of {$2100.00}. The closing took place on XXXX XXXX and come to find out they neglected to pay my XXXX taxes for {$3800.00} which have accumulated to over {$4100.00} with late fees and finance charges. When I brought this to the attention of my loan officer XXXX XXXX XXXX he was looking into it but has n't gotten back to me even though I called everyday for a week. I believe they did the wrong thing by me and they need to pay the taxes that were due when they were my mortgage company.