23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

When it comes to XXXX, in the beginning, it never prompt you to check who youre sending money to or any warnings that you couldnt get that money back. Somehow I changed my password and everything, but I called Chase directly, and I spoke to them telling them that someone sent money to some number and I lost a good amount of money. I still have pictures of the transactions that they took And they responded back, which you can only close your account and make a new one which I did so Im not sure it would reflect on this account but its an account with Chase that I lost a lease {$5000.00} or more. I want to see if I can get hopefully some of that back because it was hard work money that I worked for and they just brushed it off because it wasnt a credit card or anything like that, but it wasnt myself that did it. My account was hacked somehow.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

15 USC 1692b ( a ) ( 2 ) XXXX XXXX was never written consent by me to report any of my information to the credit bureau 2. 15 USC 1692d ( 1 ) XXXX XXXX has harassed the physical person damaged my reputation and stole my property. 
3. 15 USC 6802 ( b ) ( 1 ) ( a ) I was never given a clear and conspicuously disclosure that such information may be disclosed to a third party.

4. 15 USC 80a-33 XXXX XXXX has willfully mutilated my account XXXX  and Equifax are both in violation of 15 USC 1692b ( a ) ( 2 ) I never gave written consent for them to report any of my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX Balance Owed : {$9400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After a car accident Hyundai should send all documents to the XXXX company pay for the remaining balance. I called them every single week after the total lost and every single time we received some different information. On XXXX an employee from Hyundai told me that the case was all set, because the XXXX XXXX had all documents to pay the remaining balance so they turn off the autopay. For my surprise Hyundai reported me because there's a 2 bills with late payment. And this is not fair because they know that the responsibilitie for the remaining balance is under XXXXXXXX XXXX name not mine. Last week XXXX ( XXXX company ) sent to Hyundai a check with an overpayment but until now Hyundai didi n't received this check and they keep the information on XXXX regarding the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone Authorization to open any of these account using My personal Information. i neve had any Business with these Companies this is fraud
Product: Credit reporting or other personal consumer reports

Bankruptcy : XXXX XXXX, is the result of identity theft, and They are not belonging to me.
Product: Credit reporting or other personal consumer reports

A collection is being reported on my credit profile under the name of XXXX XXXX XXXX. I have attempted to have them validated their debt but to no avail. The company has not attempted to reach out which violates all laws regarding debt collecting. I don't recognize this said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX XXXX  in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Who, What, When, Where, Why, and How?

I am Authorizing this Dispute I was contacted by a notice by CB/Express attempting to collect a late payment debt that I am unaware of seeing that I always make my payments ontime so I am not agreeing with this information. They reported negative and defaming information to my credit report beginning XX/XX/2022. I have not received and sufficient information in order to validate this matter. I do not agree with their actions. i have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) States Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) States also Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE " 7 '' HARD INQUIRIES ON MY EXPERIAN CREDIT REPORT. I AM REQUESTING THEM ALL TO BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

We mailed out our mortgage payment in the pre-addressed envelope that Mr. Cooper provided like we always do. We get a notice saying that we are late. We looked and the check had not cleared so we sent another one. My wife called them and they took off the late fee and said there would be nothing reported to our credit report. XXXX days later we get the original check back returned to sender. We thought the problem was handled so we threw it away. They are now saying they aren't going to fix it and our score went down XXXX points. We have never been late not once. Any help would be greatly appreciated as I XXXX XXXX XXXX XXXX and this is causing damages to the point legal action will be taken if not resolved. Any help would be greatly appreciated. I will wait to hear the outcome of this before filling every possible complaint I can on this. Thanks
Product: Credit reporting or other personal consumer reports

This has been a problem every since XXXX XXXX XXXX  had that data-breach recently. These accounts are not mine. Pls assist me in removing them.
Product: Credit card

I am a Citi Cards card holder. I received a solicitation stating " No foreign transaction fees on purchases ''. This then apparently meant only that they were charging a fee in U.S. Dollars, but still a per cent fee on each foreign transaction. This is DELIBERATELY misleading, as some cards actually do NOT have foreign transaction fees.
Product: Debt collection

received a notice of this debit. But I explained this debt was not accurate at all. I 'm being charged for something I never received. Not right at all. This was a XXXX doctor I went to get XXXX. My insurance was to pay for these. This doctor should of had pre approval from my insurance to obtain these. He did not. Made these and then states your insurance will do pay for these. Again not right at all.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a Consumer sent Trans Union an official authorized affidavit in the form of an Identity Theft Report from the federal trade commission. Trans Union still has failed to follow procedures they did not block the information they were supposed to for there mismanaged procedures. They are not in compliance with the Federal law and continue to violate my rights. I continue to suffer from thier negligence and failure to comply with the law.
Product: Credit card or prepaid card

A Bank of America/XXXX XXXX card that I have had for numerous years has been closed by Bank of America. I thought it was still an open account. I was trying to make a purchase on this card and it was erroring. I Called Bank of America to find out what is going on, to find out that they had closed the account in XXXX of 2018. I was not notified of this action. 

I believe that Bank of America is closing accounts because for the problems that they are facing at this time.
Product: Student loan

I found my loans were placed in in-school deferment in XXXX of XXXX. I called 5 times to discuss how to get them out of deferment and was given a different answer by XXXX different agents. ( this was more in depth in my first complaint that I filed, that only seemed to be dealt with after I filed a complaint ). I finally got someone who sent me the in school deferment waiver form ( which is not available on the website, it must be sent by Mohela ) and filled this out and uploaded it on XXXX. I was advised by Mohela representatives to continuing making monthly payments as though it would take some time to review and approve the form, it would be honored as out of deferment on XXXX. Each time I talk with an agent I request a document to be sent via email regarding out discussion and what recommendations/information they give and I am told that is not possible. Following that advice, I made a payment XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It shows that I have ineligible payments for XX/XX/XXXX and XX/XX/XXXX for PSLF with the reason for XXXX being " Deferment '' and XXXX being " No bill was issued for this month ''. I have called Mohela twice now about this issue as I believe these should count as eligible payments as I submitted my request to be out of deferment in early XXXX  and made payments for these months. In fact, I was told i would default on my loans if I did not make these payments. They have said there is nothing they can do.
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 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 a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$130000.00} that appears related to the aforementioned personal loan account opened at 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 ( private case number ) 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: Credit reporting or other personal consumer reports

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is Breach of privacy. No consent is identity theft. INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please see attachments for proof of identity, and identity theft report with police case reference.
Product: Mortgage

I received a bright green notice on the front of my property from the Tax collector ( XX/XX/XXXX ) indicating that my property was up for auction in XX/XX/XXXX, due to non-payment of taxes for XX/XX/XXXX/XX/XX/XXXX. I have all my taxes and insurances escrowed in my mortgage payment which I have never missed since purchasing the property at the end of XX/XX/XXXX. I attempted numerous times to contact XXXX XXXX XXXX XXXX and they referred me to the tax collector -- and I never was able to get a resolve because the taxes were not paid and the tax collector stated I needed to settle this with my mortgage company. After several months I became increasingly concerned - having checked my escrowed amounts online and seeing that all was escrowed in properly. I contacted a lawyer to assist me. During the course of his investigation he stated that finally the tax collector had a long conversation with XXXX XXXX which stated they had actually mistakenly applied the tax payments on the property to a parcel listed under my address but in a different location???? How can that be? Suddenly, my taxes all were paid within a week. Thinking this was resolved, I was relieved. The next mortgage bill was drastically higher - $ 900+ which showed that they actually " fronted '' my " shortage '' of paying my taxes and now required me to pay an additional {$900.00} a month in my mortgage payment til I am " caught up '' at the end of this year. The total they stated was the amount escrowed that they stated was paid by them on the late taxes. I have paid a lawyer over {$3000.00} to not be resolved yet. I paid my mortgage amount in XX/XX/XXXX and they cashed my check but still showed I am in arrears on the amount they say I owe them. I just received a notice from them that they will no longer accept any amount of mortgage lower than their required amount of over {$2700.00}! I have forwarded all this information and documentation to my lawyer who is trying to get this resolved but has not yet succeeded. I also had received a letter from the " Chairman '' stating that they were looking into this and would let me know the results. I have yet to hear a result. My lawyer has requested XXXX  audit my account and has not been given any results as well. They have admitted to improperly paying my property taxes that were escrowed into my mortgage on a parcel that was listed as my address but was not my property? This is fraud. Now I am being forced to have my credit ruined due to their error and am locked out from paying my mortgage by them. I need help! I need this to be resolved before my credit is ruined. I have a monthly lawyer bill and he can not even get a resolve after nearly 6 months as well as now a " late fee '' on my mortgage payments each month for the " overage '' they say they paid for me.
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are all reporting inaccurate information regarding 2 accounts in collection on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX Account XXXX are claiming I owe them an alleged debt which is not mines. I have tried to resolve this directly with the bureaus but they have not correct my report by removing these fraudulent accounts that are being reported without my consent. I demand that this inaccurate information be removed immediately. According to 15 USC 1681i ( A ) ( 1.A ) they must remove the misleading information while under investigation. These debt collectors are harassing me by sending me letters in the mail saying I owe them for a alleged debt that is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I strongly believe your company is refusing to conduct A proper investigation on my behalf And I strongly believe you are violating the FCRA. Claiming that you cant verify me when disputes are sent by no other than me with proper documentation and identifying myself. I have sent you factual base evidence of negative and violation thats reporting on my credit file and your office refused to remove or do a proper investigation on this XXXX day of XX/XX/2020 Im requesting your office to provide me a copy of everything in my credit file this will need to to include every dispute that you claim you conducted with dates of the result also alll credit contracts and credit application that your office should have on file in order to report. I know your office will say you are not required by law to send that information in which I know that is not true the law is clear your office should have contract copies of credit application in the consumer credit file and I need that information sent to me fcra 609 clearly stated that I have the right to asked and that you would have to provide this information upon request I will be waiting
Product: Money transfer, virtual currency, or money service

I made a account with XXXX on XX/XX/XXXX to get into the hype of investing in crypto currency. On XX/XX/XXXX however my account was hacked into and was used to purchase crypto currency for {$1000.00}. Then the currency bought was then transferred to a Third party wallet. I only knew of the transaction because of an email that XXXX sent to me. I immediately contacted there customer support and went through a process through the next couple of days to secure my account with them only for them to tell me that they are not liable for what happen and could not help me. I then proceeded to go to my bank golden one credit union and file a fraud claim on debit card and after there investigation they failed to help me as well with this fraud. They told me that the information they received was mine but failed to understand that someone had hacked into the XXXX account which had personal information on it and had my debit card on file which they used to purchase said currency. Even after telling my bank this they failed to understand and kept giving me the same answer and it just felt like going in circle. Which lead me to here for a last effort to try and get my money back.
Product: Credit reporting

Reinserted previously deleted information showing on my Equifax report. Reporting account XXXX, have no balance in should not show on report once it was removed now reinserted on my report.
Product: Money transfer, virtual currency, or money service

I am having really hard time with the Gemini Crypto Exchange ever since I signed up with them 3 months ago I haven't been verified and can't get an answer from support as to WHY. I've called them multiple times, emailed them multiple times and nothing. Just an automated response on both accounts There customer support is non existant! 
PLUS I have had over a {$1000.00} transfer from my bank and now can't trade or move the money, no matter what I try.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for a mortgage loan and finding out my 3 credit bureaus are reporting wrong information on my credit report. My loan is now on hold until this problem is solved! They are reporting wrong addresses on my report, addresses that don't even exist. I have lived at the same address since 1985 and have never used another address. I have lived at XXXX XXXX XXXX XXXX XXXX since 1985 and have never used another address.