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

To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of XXXX  and have been attempting to get erroneous account removed off of my XXXX  and EXPERIAN credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

XXXX  : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

Experian : XXXX  XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXXXXXX XXXX is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws Experian and XXXX  has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the XXXX  and Experian platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately. 

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I noticed some fraudulent charges on My Coinbase account from my Coinbase debit card. The charges were from XXXX XXXX for {$67.00} and there were at least XXXX charges from XXXX. I contacted Coinbase to report this and at the same time I locked my Coinbase Debit Card. On the same day XX/XX/2022 my wife attempted to call me to find that the voicemail was going to a XXXX XXXX phone account. At this point on Monday XX/XX/2022 and Tuesday XX/XX/2022 my XXXX cell phone was still active. I was able to place phone calls. On Wednesday XX/XX/2022 morning I went to look at my Coinbase account and was unable to log in and my cell phone was unable to receive or place phone calls. I called Coinbase the crypto exchange in which I have funds invested. To find that the customer service representative was unable to locate the account based on the e-mail used which was XXXX and also my cell phone number. It seems that who or what ever hacked into my Coinbase account had changed all the log in information. The Coinbase account had {$6400.00} stolen and according to the Coinbase representative the money was deposited into a bank account. But not into my bank account. In addition, I contacted XXXX and had my compromised cell service restored by changing the sim card number. In addition to removing {$6400.00} from my Coinbase account the XXXX removed a total of {$820.00} from our XXXX account which would have been deposited into the account that was stolen. the debited {$820.00} had Coinbase as the receiving account. The XXXX banking information was in my stolen account using the XXXX debit card number. XXXX was notified and the {$820.00} was credited back into the XXXX checking account. The debits cards were canceled and a freeze on any Coinbase withdrawals was created indefinitely. The complaint number for Coinbase is XXXX. Coinbase has stated that the theft was escalated
Product: Debt collection

WARNING. Acct numbers XXXX. Was CHARGED OFF from orginal creditor XXXX XXXX XXXX. MDS can NOT collect a debt from an already CHARGED OFF account. If MDS dont own the account they can't collect a CHARGED OFF debt not owed to them. Please remove this off my credit report immediately. I will seek my state and the state of Florida attorney general if not removed immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/year> & XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demanded these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes MoneyLion is reporting past due payments on my account on 2 separate loans in the same year. Ive only had one loan
Product: Credit card

The interest rates on my XXXX XXXX accounts were extremely high. Capital One failed to inform me about the higher-yield XXXX XXXX XXXX account, causing me to lose out on over {$2.00} XXXX in interest. These actions were deceptive and violated consumer protection laws.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue that has significantly impacted my financial stability and well-being. I have diligently reported and disputed the inclusion of a XXXX  XXXX bankruptcy on my credit reports with all three major credit bureaus- XXXX, Equifax, and XXXX. 

I have taken various steps to rectify this error, including reporting the issue by phone, sending certified letters, and utilizing the credit bureaus ' online dispute platforms. Despite my persistent efforts, the bankruptcy court has not reported any information to the credit bureaus, and I have repeatedly requested that the credit bureaus provide evidence of authorization from the court. 

To my dismay, every agent I have spoken to at the credit bureaus has acknowledged that they lack any signed documentation from the bankruptcy court authorizing the inclusion of the XXXX XXXX  bankruptcy on my credit report. This erroneous listing has had severe consequences for my family and me, as we find ourselves homeless and unable to secure housing or favorable financial terms due to the adverse impact on my credit profile. 

I am gainfully employed, but the repercussions of this inaccurate bankruptcy listing have made it impossible for me to rent an apartment, purchase a home, or secure reasonable interest rates on financial products such as car insurance. The distress caused by this situation is immeasurable, and I am reaching out to seek your assistance in resolving this matter promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and rectify this issue. Your guidance and intervention in ensuring that the credit bureaus adhere to accurate reporting practices would be invaluable in restoring my financial stability and providing my family with the opportunity for stable housing. 

I appreciate your prompt attention to this matter and am hopeful that with your assistance, we can rectify this situation swiftly. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I've attached a few of my previous disputes. The investigations have not been done properly or in a timely manner. There is a dispute from XX/XX/XXXX that has still not been resolved. I asked for proper investigations and made it clear that eOscar is not an appropriate method of completing the XXXX. The errors remain, continuing to make my consumer reports have multiple errors and not be uniform across the board. I have a standing cease and desist with the creditor ; however, it has been acknowledged and ignored. Incorrect Balance/Status Reporting : The reported balance/status remains inaccurate which is misleading and violates 15 USC 1681s-2. In addition, the account was updated in one report dated XX/XX/XXXX to " discharged in bankruptcy in XXXX '' when the disputed bankruptcy on my consumer report shows it was filed in XXXX. This is clear that the creditor is being deceptive in reporting and further proves Experian took XXXX days the allow XXXX to review and verify this information. The account can't be XXXX in bankruptcy, and then be updated to paid and closed. This constitutes a clear violation of XXXX XXXX XXXX ( b ), necessitating its removal. Initially, I was demanding the removal of the unverified late payments. Now I'm demanding the account be removed from my consumer report immediately for gross, willful continuation of reporting unverified, unlawful, false, and inaccurate information. This constitutes fraud on Experian 's behalf. I've attached proof. 
I'm not sure what to do next other than arbitration/litigation. 
What can be done by the Consumer Financial Protection Bureau to assist?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has a delinquent account on my credit reports. I have never received any services and or goods from this company and is not responsible for this account because it was opened fraudulently without my consent.
Product: Mortgage

My Daughter and Son in Law 's mortgage loan with XXXX XXXX XXXX was being reviewed for a loan modification due to a hardship change when she received a letter from XXXX XXXX XXXX that said her mortgage was sold to Nationstar with no mention of her modification decision. She sent a new modification package to Nationstar explaining they would review her modification request. She faxed her new modifcation package to Nationstar on XXXX XXXX, 2016. I am an authorized third party who Nationstar has acknowledged and they still have not received her package and it 's been over 5 buisness days. Each representative has told me the internal review process is they would contact XXXX for her documents but her documents are stale dated they are way more than 90 days old to review that does n't make sense when the borrower/homeowner sent an updated package requesting a modification review. My first concern is how can XXXX sell her loan and not send a decision letter to the homeowner regarding the modification that was under review. My second concern is Nationstar not addressing the borrower 's request for a mortgage loan modification and willing to review stale dated documents..
Product: Money transfer, virtual currency, or money service

I work for a company that uses ADP payroll services and ADP manages their XXXX plan. In XXXX we were paid on the XXXX and the XXXX. As of today, XX/XX/24, my contribution of & XXXX has not posted to my XXXX. If they do this to all participants, it is millions of dollars that they can draw interest on to keep for themselves! I have called ADP but they do not have representatives sufficient for their call traffic.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and LexisNexis are reporting an alleged bankruptcy without the permission from the trustee of the estate of XXXX XXXX. XXXX, XXXX, and LexisNexis are data furnishers that sell information to various companies. This is prohibited by the estate of XXXX XXXX. The name property and any other interest are copyrighted and trademarked. You do not have permission from the estate to report any such information or misuse the estate name in this manor!
Product: Mortgage

Every year since I move into this home which was XX/XX/2016 my escrow has been miscalculated. First year I was off {$810.00} with a Deficiency payment of per month which my payment jumped from XXXX to XXXX. The following year it was off {$2300.00} with a deficiency payment of {$56.00} and mortgage payment of XXXX. Now this following year it was a shortage/and or deficiency of XXXX with deficiency monthly pay of {$140.00} which now I am paying {$200.00} for monthly regular payments for escrow with an additional {$140.00} on shortage payment. The insurance have not change over the years still in the same price range. the first year I paid out of pocket for a year in advanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 18 years ago I had a mortgage with XXXXXXXX XXXX. They securitized and sold it to another servicer, but retained my PII. A few years ago, I was notified that my SSN had been compromised and offered identity theft protection services through XXXX. This week, I received yet another letter from XXXX that it happened again. I don't understand why my information was held in their system so far beyond what is legally required. I want it removed from their system and am writing to the CEO as well. Please investigate their practices. Clearly, they are not managing customers ', or former customers ', personally identifiable information in a way that conforms with best practice.
Product: Bank account or service

Please refer to case number : XXXX I open my discover bank checking account when I see the XXXX dollars promotion after XXXX Direct Deposits. I have made XXXX direct deposits through my payroll to my discover banking account, but they refused to give me the opening bonus as they promised when I open my account. When I open the account and put the promotion code in, there was no indication or notification that it was by invitation only. The system accepted the promotion code and says I will receive XXXX dollar bonus after XXXX direct deposits.
Product: Credit card

On or around XX/XX/XXXX my wallet was stolen and I noticed a charge for XXXX was made on my account without my knowledge or permission
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, 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 consists of Accounts : XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$3100.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2100.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$2100.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1900.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1100.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$690.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$570.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$490.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$310.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$280.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$110.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I took my XXXX year old son to a XXXX XXXX medical center and I provided a legitimate form of payment. They attempted to file a claim with the insurance provider and the claim was denied XXXX which I found out when I started investigating the collections report on my credit report ). They claim to have sent statements to my home address. I did not receive any. I was never called or notified that this would be sent to collections. 

Now my credit report is reflecting a collection action of which I had no knowledge until it was on my credit report.
Product: Prepaid card

On XX/XX/XXXX I tried to use this card to buy water, food and to pay for a public transportation pass and for all of them they got declined I called them up and they said just try another store so I did and no matter that I did it didn't work no matter what where I went and no matter how much money I had spent on the card I went to places that I previously was able to use said card.
Product: Credit card or prepaid card

I received an email notification from Huntington National Bank on XX/XX/2019 indicating that my credit limit on my credit card was being decreased. The email provided no further explanation, other than I would " receive a notice with more information by mail in the next few days. '' I have yet to receive said notice in the mail. 

I checked my account online and indeed confirmed my credit limit was reduced from {$24000.00} to {$21000.00}. The account has a {$0.00} balance. 

When I called to inquire, the representative informed me the change in credit limit was due to an evaluation of my FICO score, credit history, and relationship with the bank. I requested the limit be restored and was denied. I was also told it could not be re-evaluated for 6 months. Fearing that something was wrong with my credit report, I checked it immediately. 

My FICO score is XXXX. My credit summary shows I'm currently using only 4 % of my available credit, of which {$110000.00} is currently available. There was no unusual activity on my credit report. No changes or discrepancies. XXXX missed/late payments. Ever. My annual income of {$200000.00} remains unchanged, and I have weekly deposits directed into separate checking and savings accounts with Huntington National Bank. 

So, I have been unable to discern any other valid reason for the reduction in credit on the account, other than the card has a {$0.00} balance and I haven't used it for a purchase in at least 6 months. 

I called back a second time to dispute the reduction in credit limit and request a restoration to my original credit limit of {$24000.00}. I was again denied, and was dismissed by both the initial representative and subsequently, her manager, to whom I was transferred. The manager also refused to provide a copy of the bank 's decision criteria when requested.

I believe the decision to reduce my credit limit was unfounded, arbitrary and unfair on the part of Huntington National Bank. Please consider this submission as my formal complaint against Huntington National Bank.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX