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

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX, Transunion, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card and personal loan account opened at : XXXX  account opened on XX/XX/XXXX and it has a balance of {$210.00} Account # XXXX XXXX XXXX  account opened on XX/XX/XXXX and has a balance of {$160.00} Account # XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$420.00} Account # XXXX In collections I have XXXX accounts that are a result of Identity Theft. From the above mentioned accounts. These must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and these accounts have been placed in collections and are showing on my credit report as closed.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the XXXX FTC Identity Theft Criminal Complaint numbers ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I realized today that XXXX XXXX XXXX is illegally reporting an alledged {$470.00} debt. The debt being reported is FALSE and XXXX XXXX XXXX never sent me anything before I seen it on my credit reports. I received nothing from this company or XXXX as I never had any account with tmoble at all and I will sware in a court of law that I never had an sccount with XXXX or XXXX XXXX XXXX 
I am vehemently requesting complete validation as I am disputing this debt in its entirety. I also request the PURCHASE AGREEMENT that the XXXX XXXX has with XXXX. 
I also demand the alledged debt reporting be deleted from all credit reporting agencies in which this FALSE information is being reported to.
Product: Consumer Loan

I had a vehicle financed with CNAC ( JD Byrider ), I requested that they pick up my vehicle in XXXX 2013 around the XX/XX/XXXX. They did n't come to pick up the vehicle until about three weeks later.
Product: Credit card

My PayPal account email : XXXX PayPal case ID : XXXX XXXX never received a package from the seller from XXXX paying through PayPal. The package was worth {$810.00} USD total and XXXX told me to settle the case via PayPal. The package was supposed to arrive on XX/XX/23. 

The seller did not require a signature upon delivery, and the package was only insured up to {$100.00} per USPS. I have attached screenshots of my communication with the seller in an attempt to ask for a refund and resolve the issue. Seller did not provide me a refund and the issue was not resolved.

Initial USPS case ( case # XXXX ) was closed with USPS unable to find my package or resolve the issue. USPS customer service representative I called on XX/XX/23 recommended I reach out to PayPal to resolve this issue. USPS started a new case ( case # XXXX ), but the representative stated, due to the package only being covered {$100.00}, I should file a claim with PayPal. 

I have called PayPal at least 4 times since filing my claim and the representatives refuse to resolve my issue. PayPal 's policy states that, for any item over {$750.00} USD, a signature upon delivery is required for " Proof of Delivery. '' The seller in my case did not do this, and I still have not found my package despite checking around my apartment complex and calling USPS multiple times.

Thus, there is no " Proof of Delivery '' per PayPal guidelines.

One PayPal representative told me the case would be resolved during the first week of XXXX. It is now past that and nothing has been resolved. 

Another PayPal representative stated that they contacted USPS, but USPS would not provide them any information as the USPS investigation is separate from PayPal. Therefore, PayPal using USPS as an excuse to delay resolving my case is not valid.

PayPal is refusing to work with me to come to a resolution for my case, as they have provided me no updates at all outside of me calling them.

I demand a refund from PayPal.
Product: Credit card or prepaid card

I received a {$10.00} virtual visa gift card after I filed a survey about XXXX  products. Upon activating that card I was unable to use it because it was constantly declined. I called to its customer service at XXXX, and my waiting time was constantly changing every time I was next on the que, so after several hours of waiting I was still unable to talk to the customer service. I also wrote a complaint to XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, TX XXXX and nobody responded. That prepaid visa card is a total fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XXXX XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX MORTGAGE XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX Late Dates XXXX, XXXX XXXX .... Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX SERVICES XXXX .... Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX Late Dates XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX {$37000.00} Processing To : XXXX XXXX XXXX DOMESTIC WIRE XXXX XXXX {$100000.00} Processing To : XXXX XXXX XXXX DOMESTIC WIRE XXXX XXXX {$1700.00} Processing To : XXXX XXXX XXXX ACH I Initiated XXXX different USD withdrawals from Binance US, which is a crypto exchange company. The status of the transfers has been stuck in Processing for almost 10 days now. ( I should have received an email from XXXX XXXX XXXX to confirm transaction but i never received the emails ). I have trying to get in contact with the company 's support. I sent over 20 different support tickets and never got a reply back. After researching about the company, to be specific on their twitter  account ( https : //twitter.com/BinanceUShelp and https : //twitter.com/BinanceUS ), thousands of people seems to have problems with them.I feel that Binance is not willing to fix The issue and release my money. By ignoring my requests, it seems that they are trying to steal my money Or they are using it on other stuff to make profit from Holding them. 
Some of the support tickets i sent them : # XXXX. 
# XXXX # XXXX # XXXX XXXX and many more
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XX/XX/XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Product: Debt collection

Navient has contacted people outside of my direct network to find people in my network asking them what their relation is to me. They are also contacting my work directly, soliciting for me while it is inappropriate and will jeopardize my employment. Instead of contacting me directly, they choose to go around me, to the point where it is embarrassing and mortifying. When I finally talked to someone who called me at work, while I was at work, her attitude on the phone was, " Well, so what are you going to do about it? '' About 3 hours later, I found out that they are contacting my work still, trying to send a garnishment letter.
Product: Debt collection

I opened up a account with XXXX and immediately notice the loan mart account because I have never had a auto loan with loan mart never so I called them and spoke to a guy name XXXX XXXX and I was talk to him and gave him the account number XXXX and he asked me my name and I told XXXX XXXX XXXX and he immediately told me that this account belonged to a XXXX XXXX so i asked him why was it reporting on my Credit report and he stated that he had no idea and every time i call now they act as if they have no information or they don't time or try to rush me off the phone so something isn't right so please help me
Product: Mortgage

I have been working with United Wholesale Mortgage on my loan # XXXX since XX/XX/2023 and I received the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 by electronic correspondence. Since I intend to keep my home and have repeated that to the Loss Mitigation Department several times, I performed my due diligence and wrote an email to their XXXX on XX/XX/2023 that I accept the XXXX XXXX XXXX. Secondly, I sent a secure message to their UWM secure message center that I accept the plan on XX/XX/2023 as well. On XX/XX/2023, I called to make my XXXXXXXX XXXX XXXX payment and the customer service rep informed me that he can only make the payment effective XX/XX/2023 and not my requested date of XX/XX/2023. Thirdly, I informed this customer service rep that the payment on the phone was for the XXXX XXXX XXXX payment which he observed was for {$4300.00} and I have electronic correspondence that the payment was agent assisted for that amount which I have uploaded here. 

On XX/XX/2023, I observed that my credit report was negatively affected as delinquent which I believe is against the federal regulations for a XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 at XXXX CST, I called UWM to ask for information on why this occurred and inform them of the mistake. I was transferred to a loss mitigation specialist who informed that Loss Mitigation did not acknowledge that I accepted the XXXX XXXX XXXX  even though I have XXXX sets of proof that I did accept the plan. The loss mitigation specialist did acknowledge the mortgage servicer error and she observed the proof of my acceptance letter sent on XX/XX/2023 and received by UWM on XX/XX/2023. The loss mitigation XXXX informed me that she needed to create XXXX separate requests for the following : 1 ) Acknowledge that the XXXX XXXX XXXX  was accepted ; 2 ) Remove the negative credit reporting due to error ; 3 ) Remove the late charge assessment on XX/XX/2023 ; 4 ) Fix the mortgage payment made on XX/XX/2023 and apply it to the suspense account for further review. 

This CFPB complaint is to record and document the mortgage servicer error and to ensure this is resolved appropriately in an expedited manner because my credit is wrongly being affected due to this lender error.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of fraudulent accounts in my Transunion credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Transunion report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why Transunion continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX ; NMLS ID Branch XXXX Our account with Specialized Loan Servicing did not not have an escrow account. However, for our XXXX and XXXX payments, we were given the account status as " late ''. We never had an escrow account with any mortgage that we have ever had. We always paid our taxes and insurance personally, annually, and have bank records to prove. Specialized Loan Servicing gave us a " late payment '' status because they " stated we have an escrow account '' when actually we never did and were never late. 

I have been trying to resolve this issue for several months and have had the escrow account removed. However, my credit bureau information for XXXX and XX/XX/2020, has remained the same. This needs to be corrected also. We have given numerous chances for this status to be removed, but, to no avail. We are very frustrated and furious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX   XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( 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

My identity was compromised during several data breaches and my social security number has come up on the dark web according to my XX/XX/XXXX account alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile Transunion, XXXX  and XXXX. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting a fraudulent account was opened with XXXX XXXX  ( account # XXXX - {$640.00} - XX/XX/2022 ) due to identity theft. EQUIFAX and XXXX XXXX  have been informed numerous times about this fraudulent account and sent the police and F.T.C. reports but are still reporting this fraudulent account information and damaging my credit. It is believed that a neighbor committed the identity theft and was tamping with incoming mail or a data breach of personal information exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX can not seem to get anyone 's address correct. 
I 've been helping my neighbor across the street with clearly a different last name and first name and they send his mail using my address. This has to be stopped immediately. 
In the past, they sent a fraud alert to the identity thief in XXXX without permission. What is the matter with them? I will send proof of my name and address as well as the neighbor 's address AGAIN. Tell them to knock it off. I will follow up with a complaint to the Georgia Attorney General.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX  XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$970.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX I sent a letter to Experian to update my personal information. I also sent a copy of my state issue ID, proof of residence and a copy of my social security card.
Product: Mortgage

OCWEN IS REFUSING TO REFUND MY EXEMPT FUNDS STOLEN FOR {$16.00}, XXXX IN XXXX AND XXXX THEY ARE LISTED AS THIRD PARTY CLAIMS IN MY BANKRUPTCY. SHOULD YOU FAIL TO REFUND MONIES WITHIN 15 DAYS WILL SEEK ADVERSARY PROCEEDINGS AND START CLASS ACTION LITIGATION.SEE ATTACHED.
Product: Debt collection

The collection agency Capital Accounts sent a bill for a medical debt account. I sent a request letter for the information to be validated and they sent me a copy of the bill from the original creditor which is a dentist. They violated HIPPA by sending a copy of my bill which included my procedures, operations, medications, etc. I did not sign a HIPPA form authorizing the collection agency to access my medical records. Collection on accounts has to cease immediately and the information needs to be removed from my credit reports as well. They are not allowed to collect or report on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2020 regarding a new collection on my file. 
The reporting agency took less than 48 hours to investigate my dispute which leads any reasonable person to believe that my dispute was not properly handled. This account has been paid and closed for more than two years.
Product: Credit reporting or other personal consumer reports

Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Despite my repeated efforts, supported by documentation, your entity has failed to take appropriate corrective action. Your continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand removal the fraudulent account. This situation has been worsened by the data security breach involving XXXX Data Breach ( Case No. XXXX ). I am requesting the fraudulent account to be dismissed from my credit file. The disputed item is : Fraudulent Transaction : XXXX XXXX. # XXXX. Opened XX/XX/year>2021 Your entity has continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the XXXX data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy, and you are in violations of the law