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

See Attached documents ; I have identified information on my report that are a result of identity theft. Name Spellings that are not my name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There addresses are fraudulent addresses : XXXX XXXX XXXX in XXXX, XXXX XXXX in XXXX, XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXXXXXX in XXXX These items and or collections account are not related to any transactions completed by me : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX - XXXX At XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Residences on XXXX XXXX Police Report Filed in XXXX XXXX XXXX XXXX - police report number XXXX ( Crime : Fraud-Impersonation XXXX ) Assigned Detective : XXXX XXXX
Product: Debt collection

I contacted the original creditor that they claimed to have had a file number for after setting up a payment arrangement prior with this company Scheer, Green , & Burke, Co LPA which I called back and told them that I knew my rights they had to provide to me within 5 days validation of this debt that I was not paying this that I spoke to the original creditor and they have no knowledge of me in there account whatsoever. The law office tried to claim that they would not have that record and I told them by law they can not collect a debt after a due expiration date if I can not validate the debt. This is a scam I told them that I was reporting them to you all as well. I am in the middle of obtaining a mortgage for my first home and I am scared to death. The original creditor said that if that debt was valid that I would have already had a mark on my credit report which I do not. Can someone please help. They are stating that I have to give them a settlement amount on XX/XX/XXXX I close on my home XX/XX/XXXX or a few days after. They are claiming this is for an emergency room visit of XX/XX/XXXX of last year. I also spoke with the attorney generals office and they told me that its probably a scam and to fill out there form.
Product: Credit card or prepaid card

I have an account with Capital One. I had to claim fraud on XX/XX/XXXX and they gave me a new number. However, they failed to advise me that my account would no longer report on my credit bureau. I had to find out by checking my credit score on XXXX XXXX. My credit score on my XXXX credit report dropped from XXXX to XXXX because this account was deleted. My credit score on my XXXX XXXX credit report also dropped from XXXX to XXXX. I filed bankruptcy in XX/XX/XXXX and I was using this credit card to rebuild my credit. I have never been late. I depend on this credit score to assist me in continuing to build my credit. I contacted Capital One on several occasions. One was  around the end of XX/XX/XXXX and they stated they would look into it. I never received a letter about my inquiry. I then contacted them again around mid XX/XX/XXXX and submitted another request to have this investigated. I finally received a letter dated XX/XX/XXXX stating that the old account was transferred to a new account and to allow up to 60 days for the new account to start reporting but as to this date it is still not on my credit report. I continue to make my payments, but they have failed me in not reporting my account right away when I brought this to their attention.
Product: Credit reporting or other personal consumer reports

The companies response is a clear example of them not doing enough research or validation. Near the end they state " No one has ever been arrested for the crime even though I state its fraudulent " If they reviewed the police report I sent in previous contacts via email/USPS mail XXXX AND the FTC report XXXX if they actually conducted and investigation and contacted all parties, which they NEVER did. Not once did they contact the reporting police department to speak to the reporting XXXX to see what happened. Other companies did but not you guys? Oddly suspicious. 
It CLEARLY states in the police report, the finalized one that there is a warrant for his arrest. I know its hard to comprehend and understand, but usually there wont be an arrest when the person is on the run from the police. So. Once again, if you clearly did your research, youd know that there is an active case with an active warrant. But you guys dont look at supporting evidence did you? 
Then you state " that doesnt mean its not fraudulent just because they get no benefit ", but yet you dont state the supporting documents that I've submitted that prove its fraud. If you get out your desk chair and get to a phone and do actual research then maybe you guys wouldnt have wrote such an idiotic response that made no sense. 
It proves you didnt look at my supporting documents nor did you conduct adequte research. 
Everything you have said has been hearsay. Once again you mention its my personal email address. How do you know its my personal email? How do you know its not fraudulent? What led you to that conclusion? With absolutely no proof? So because the payments havent been disputed with a company that means its not fraudulent? Have you contacted the issuing bank to see who is the account owner for whoever made those payments? You didnt. 
Or that means like you said " It could be fraudulent " but you really dont know if it is or not. AND I think thats the funny part you guys have no real validation and this letter actually proves it so thank you for admitting you think it could be fraud with the proof you have, thats all I needed! And thank you for verifying you didnt read the police report / ftc report otherwise you'd know there was an active case and that IS mentioned. Once again, proves you didnt do adequte research. Shut case. XXXX be showing this to the credit lawyer I have an appointment with also so thank you and have a good day!
Product: Debt collection

I called several times to pay my debt. I emailed as well. No one ever answered the phone or returned calls when messages were left. Thankfully I was able to pay thru the original creditor. I was trying to verify that the company was in fact real, and not a scan before I just mailed a check.
Product: Vehicle loan or lease

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX PenFed Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX RE : Adverse Action Dear PenFed Credit Union , I, the consumer and natural person, was denied credit by PenFed Credit Union when I applied for a auto loan and checking account. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by PenFed Credit Union due to the response I received. 
PenFed Credit Union is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PenFed Credit Union. 
If PenFed Credit Union fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make PenFed Credit Union criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX XXXX XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
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. 

XXXXXXXX XXXX XXXXXXXX Account Number XXXX 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX sold mortgage to statebride on XX/XX/XXXX ( last XXXX payment ). ( XXXX owes me advance because i have over paid mortgage XXXX ) XX/XX/XXXX statebridge sends me first invoice and it says i owe XXXX XXXX fees. 
Around XX/XX/XXXX to XX/XX/XXXX XXXX sent me a check for XXXX that they owed me for overpayment. tried to get statebridge to correct but they never did in the five years they had the mortgage and in XX/XX/XXXX sold the mortgae to XXXX XXXX who is still charging me XXXX plus other fees. I finished paying off my mortgage on XX/XX/XXXX but i am still receiving invoices every month for monthly payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Cash app removed {$250.00} from my account on XX/XX/XXXX {$500.00} on XX/XX/XXXX {$150.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX {$600.00} on XX/XX/XXXX I tried to contact them but know customer service number emailed them but no reply I have done this serveral times.
Product: Debt collection

Hi I got a mail from CCS, MA -a Collection Agency for $ XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX , MA XXXX.It was for XXXX XXXX.I never had XXXX service under my name.Hence called the agency and explained about the wrong tagging.They accepted that it is wrong tagging as the SSN differs.Informed that they will remove.But they have reported to credit unions and I am now seeing my credit score down for about 59 points.I am about to get a Mortgage loan for my house and I have been denied because of this issue which I am no way related. I seriously wanted some solution from the CCS immediately and they need to answer the missed opportunity of mine. 
I am really stressed as I maintained a high score of XXXX and just this misrepresentation has put me in a deep trouble. 
-XXXX
Product: Payday loan, title loan, or personal loan

On XXXX I paid off all my Affirm loans of {$2400.00}. By XX/XX/XXXX the loans were showing " processing ''. I contacted Affirm customer service at XXXX on XXXX and was told that the loans should have processed immediately and that the issue was with my bank. Representative failed to resolve the problem. I contacted my bank and they confirmed that all the Affirm loans had been paid out on XXXX. Affirm has failed to process my payments four days after my payments. As of XXXX my loan payments of several thousands of dollars are still in " processing '' status despite the fact that mybank was already debited for those loans on XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX I mail a certified letters to the credit bureaus requesting that the following inaccurate & fraudulent items be immediately investigated and Deleted in order to show my true credit history. Its been nearly 4 months now, and they still havent remove the inaccurate information or send any verification. 
I demand that the following items be re-verified and deleted from my record. I have attached the FTC report along with my SSI and Driver 's License. 

These items do not belong to me. 

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, I REC'VD A XXXX FROM XXXX XXXX XXXX OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX LAW WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, BANK OF AMERICA WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT XXXX WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED
Product: Payday loan, title loan, personal loan, or advance loan

Overcharged me interest fees open account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report has been improperly used and my rights have been violated. In accordance to 15 USC 6801, 6802, I was supposed to be given the appropriate notices to report anything on my Consumer Report, then be given the option to opt-in or optout of allowing that information to be reported to my consumer report and then given the exact process to be able to optout securely. 
1. Loancare LLC 2. XXXX XXXX XXXX I need for all of this information to be removed from my consumer report. In addition, there's one reporting in particular I never even heard from and they have not responded to the certified letter I sent them a month ago. They need to be removed from my consumer report as well. 
1. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted a complaint about this company on XX/XX/XXXX about a returned payment fee I was charged for no valid explanation. Please see complaint number XXXX. The company due to this complaint and " in good faith '', refunded the {$30.00} I was charged as a courtesy and decided to close my credit card entirely. I had that card in good standing since XXXX. Never a late payment or a returned payment or any credit issues that could lead them to close my account. This proves the fact that consumers have no rights and, if we complaint, this is what we get. Forget about all those years being a loyal customer for what. If you complaint and say something about your rights, you are a liability to them and you get eliminated.
Product: Checking or savings account

I keep received email from Chime Outreach, saying they need verification, on where I get funds to win at the casino from, my checks go direct deposit, every two weeks, they can see that, but they want to close my account, because I won some money at the casino,. This is so frustrating, I sent them everything that they ask for. I even sent my ID.
Product: Debt collection

This debt was removed from XXXX. However EXPERIAN AND XXXX is continuing to report these ON MY CREDIT.
Product: Debt collection

Explained this was fraud and not my debt. The original person hung up on me. Called back and got a second person. They explained XXXX was the original debtor. I told them it was fraud. They asked I send a copy of the police report to XXXX I did that and the agent then hung up after telling me that I'm angry and they are trying to help. I informed them to let the original creditor know it was fraud and I would pursue further legal representation if account was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a brand new XXXX XXXX from XXXX XXXX in XX/XX/XXXX. After ( 3 ) times in the repair center at XXXX, they determined that a new module needed to be installed. This required the engine to be taken apart. The vehicle only had 74 miles on it at the time. I refused to take that vehicle back, and demanded my XXXX down payment back or a new vehicle. XXXX gave me a new XXXX XXXX with only 5 miles on it. 

I have paid my new current XXXX up until XX/XX/XXXX. Yet, ( 2 ) weeks ago I received an alert that XXXX XXXX had obtained my credit. They pulled a hard pull. This dropped my score ( 8 ) points. They had no authority or reason to pull a hard inquiry on my credit report. Not too much longer later in the day, I find out that there was a mix up with the paperwork between XXXX and XXXX XXXX and XXXX XXXX was demanding that a new credit report be pulled for the 2nd XXXX XXXX, even though I have had it for ( 4 ) months and XXXX XXXX has ACCEPTED payments on said account up until XX/XX/XXXX. 

Then, Tuesday XX/XX/XXXX, I get a call from XXXX XXXX stating that I am 90 days past due. I informed the CSR that I absolutely WAS NOT 90 days past due. And in fact I was PAID IN FULL AND AHEAD until XXXX. I also informed the CSR that I have PERFECT credit, and under no circumstances should I see ANY delinquency reported to my credit reports. I then had my wife call XXXX and XXXX at XXXX XXXX and inform them of the situation. Once again this is NOT a situation that is my doing. It is either the ineptness of XXXX XXXX, or the ineptness of XXXX XXXX. Regardless, it is not my fault. 

Then today, XX/XX/XXXX, I get an alert from XXXX that XXXX XXXX has reported me as 90 DAYS PAST DUE to the credit reporting agencies. That has taken my score from a XXXX to a XXXX. I AM NOT past due with XXXX XXXX. I did not even have the first XXXX XXXX for more than ( 12 ) days and no more than 74 miles, before we discovered that XXXX sold us a lemon. As stated above, that vehicle was SWAPPED OUT for a new one, and NEW paperwork was submitted to XXXX XXXX. 

I am in the MIDDLE of refinancing my house. A credit report will be pulled prior to the closing NEXT WEEK., And if my scores are reporting this INACCURATE, FRAUDULENT, NEGATIVE Tradeline by XXXX XXXX , and I am UNABLE to refinance my house, then I will have ACTUAL damages UNDER THE FCRA, and will have standing per SCOTUS in Spokeo XXXX 

I called XXXX XXXX tonight, XX/XX/XXXX and the CSR, while attempting to be helpful, informed me that it is the responsibility of the Credit Reporting Agencies to address the inaccurate information, and that I would have to wait for up to 45 days. That is completely inaccurate, and a PERSON has to verify the disputes through an ACDV, and send updates through E-Osar. Yet, XXXX got no where with the CSR. 

XXXX XXXX, and/or XXXX XXXX need to fix their XXXX ups and need to fix it NOW. They have NO ISSUES taking my money! If I didn't pay my lease, they would take my car without any issues. But now, at no fault of my own, and at the fault of 3rd parties as listed, I AM PAYING THE PRICE.
Product: Checking or savings account

I asked Bank of America to wire money from my checking account to a brokerage account. Bank of America will only let me make the wire transfer from its website. The User Interface is not sophisticated enough to allow me to successfully transfer the funds. The wire page allows me to enter a routing number and a account #. XXXX, my broker, uses XXXX, a bank, to receive its wires. I can get the money to XXXX with the routing # and account #. However, without including the brokerage account #, XXXX rejects the wire. I asked Bank of America to help me customize the wire to include the brokerage account #. Bank of America refused to do this. There was no willingness at all to offer a modicum of customer service to resolve this issue.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report with TRANSUNION. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXX XXXX XXXX  inquiry date XXXXXXXX XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX  inquiry date XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquiry date XXXX. XXXX. XXXX XXXX  Finance inquiry date XXXX XXXX. XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to TRANSUNION Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with TRANSUNION
Product: Payday loan, title loan, or personal loan

First, the company changed it's name and reporting my account beyond the 7 years.

Second, have several accounts with remarks as closed unauthorized.

Duplicate accounts reported.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding PayPals handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Paypal numerous times and reporting discrepancies, my financial institution and Paypal failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Paypal has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to provide additional information from undeniable documents. Please see file attached as Experian has responded that my request to block could not be honored without further information. THIS CLAIM IS TO PROVIDE SUPPORTING DOCUMENTATION!!! I have tried to provide said documents directly to Experian online but was unsuccessful.