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

EXPERIAN Is showing an account : XXXX XXXX XXXX amount {$590.00}. This account is not showing on my XXXX account. This is inaccurate reporting and the company and account should be removed from my credit file. 

EXPERIAN Prepared For XXXX XXXX Date generated : XX/XX/XXXX Collection accounts XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. 
{$590.00} Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX. 
Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$590.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Original balance $ XXXX  Monthly payment - Past due amount {$590.00} Terms 1 Month Responsibility Individual Your statement XXXX : Collections Its important that you try your best not to fall behind on payments so your account doesnt get passed on to a collections agency. This usually drops your credit score significantly. 


XXXX XXXX Reported : XX/XX/XXXX {$980.00} Outstanding XXXX XXXX Reported : XX/XX/XXXX {$910.00} Outstanding XXXX XXXXXXXX Reported : XX/XX/XXXX {$320.00} Outstanding
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a tax lien that fails to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XX/XX/XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX I noticed unauthorized inquires on my report. I have not applied for any credit in the last XXXX months. I am a victim of identity theft and these inquires are fraud. 15 USC 1681 & 1692. These inquires have illegally been reported on my consumer report and the credit bureau are in violation of my consumer right and the FCRA
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX/XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXXXXXX Balance {$16000.00} XXXX XXXXXXXX Balance {$1800.00}
Product: Debt collection

The proper option was not available. 
A previous complaint was filed with CFPB, however it was closed. The previous response from XXXX XXXX  contained my private health information. My PHI was viewed by employees of XXXX XXXX. My PHI was shared on this website. 
XXXX XXXX was not authorized to receive my PHI ( as documented by the document they uploaded to this site. ) The medical bill shared initially shared by health care provider is a violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPPA ). This law prohibits the disclosing of personal health information. 

This account is being illegally reported on my credit report. 
As a result, I will be filing a formal complaint with the Attorney General ( OAG ), and Office for Civil Rights ( OCR ).
Product: Checking or savings account

I was contacted by Bank Of America 's fraud department that there were a series of transactions ( 3 ) that were suspicious. I was contacted very early in the morning and at that time, I stated that I did not make those charges ; however, I was not aware at that time and found out later that someone had broken into my car and stole my briefcase with the card inside. Since more than 60 days had gone by without being asked for additional information, I thought since Reg E gave the financial institution a limited time to investigate and respond that the claim had been finalized. Except that I got a call from BofA 60 days after and the agent said that since I had stated initially that I did have the card in my possession, the claim was going to be declined as the chip was present. But before I could explain to the agent, that I had later found out that someone had broken into my car, the call was conveniently disconnected. I immediately called back and after XXXX15 mins on hold, I was told that my claim was going to be declined anyway. The fraudulent transactions as expected was a gas station charge and XXXX XXXX XXXX XXXX both for {$95.00}. The subsequent transaction at XXXX was declined by BofA. The presentative to whom I was finally able to talk to said I should have filed a police report. I said I would have if that was a requirement and she said, " no but I always suggest people to do that ''. 

For the rest of the public that sees this complaint, this is not the first time that I filed a dispute and then was declined. Bank of America has a " practice '' of making it literally impossible to provide information they request during their investigation. This is done by making it impossible to call back and get a hold of someone by placing you on hold for hours or by the representatives in their fraud dept. that leave you a message to call them back, do not answer and their voice mail boxes are full so you are not able to provide the information they are requesting to aid your claim and, therefore, you then get denied by claiming you didn't provide the information requested. This Practice fits a pattern of being Deceptive, Abusive and discriminatory at every level
Product: Checking or savings account

On  XXXX   XXXX ,   XXXX  , I became aware of a fraudulent transaction of {$87.00} charged to my debit card on  XXXX   XXXX  by  XXXX . I called my ban k ( Chase ) o n  XXXX   XXXX  to clear this up and was told that I would be given a temporary credit for said amount until an investigation was conducted. Today, on  XXXX   XXXX ,   XXXX  ,  Chase  decided to reverse the credit. I contacted the bank and the representative told me that  XXXX  provided my name and address and said that it was strong evidence that the transaction was legit. I feel that this is merely evidence that my information was stolen. I have never made a single purchase from  XXXX . Furthermore, I use my debit card daily for so many things and would not lie abou t this one transaction.
Product: Debt collection

I just received a call from Convergent Outsourcing to call them back at XXXX because they are trying to collect a debt I owe. The call was automated. I just refinanced student loans two days ago and am absolutely positive that I do n't have any debt that I am currently behind on. I did a quick XXXX search to see if this entity has emerged in other complaints, and it seems that it has a notorious online presence. There is even a law firm XXXX that has information regarding this entity on their website.
Product: Credit reporting

I disputed the referenced accounts ( # XXXX & # XXXX XXXX by third party XXXX XXXX XXXX XXXX. The credit report shows these items were deleted from my credit file XXXX 2017. HOVG LLC, dba Bay Area Credit service ( BACS ), XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX has now reinserted these items on my credit report. The reporting period has expired and I have NOT received any notification. This is a serious violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must REMOVE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CMRE Financial Services just popped up on my XXXX XXXX XXXX, that i owe them {$210.00} for a medical service in XXXX of XXXX. I am a 100 % sure that I do not owe them any money at all. I am outrage by the face that this company is committing fraudulent activities on my credit account. I have done my research and a lot of people are being scammed by this company.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) ; XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) ; XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't see my new report because of a dispute in process.
Product: Debt collection

I 'm in the negatives at PNC Bank and a lady name XXXX called my coworker at my place of work XXXX/XXXX/2015 between XXXX & XXXX to have her let me know of my debt and asked my coworker to tell me to call immediately.
Product: Credit card or prepaid card

The company shut my card off. They won't allow me a cess to my money. I've done everything they've asked me to do several times regarding ID verification and no one is responding to the ID verification. I don't know why they insisted on id verification to begin with. One day they just shut the card off and won't deal with me. It takes an hour and a half on average to get a hold of them every time I call. No joke. Some of them are quite rude as well.
Product: Checking or savings account

Durring the week of XX/XX/XXXX my girlfriend, and roomate, was being scammed and money was being sent out of her account to me and a freind of her via XXXX. The scammer acted as a XXXX employee, send the fraud text with a link for her to contact ( she had 2 texts, one was real fraud text, the other was from the scammer, she had a 50/50 shot of choosing the correct link ). So over the next 3 days she believed she was in contact with whom we though was a XXXX fraud represetative. After 3 days, and about XXXX was stolen we realized he was not. He was scheduling XXXX payments to me and another and would call her saying that he had '' unlocked the account and to have your friends send you the money back '' so I obliged. Going through the XXXX process of inputting her number as I always do, her name appearing before confirming and sending. Well once the transaction was made it was to the scammer XXXX XXXX, who we do not know or have this persons number. As she gave him all her info he was able to update the routing number to deposit XXXX into his bank. 

Through my account about {$7500.00} was transfered in and out of it. I lost nor gained money from these transactions as I was sending them right back. My account was locked and I contacted Captial One on XX/XX/XXXX to open a fraud case with them ( ticket number XXXX ) and my girlfriend had a claim with XXXX ( ticket number XXXX ) and all was well. My account was unlocked and I had no issues, or odd activity on my accountsss. Well on XX/XX/XXXX I had a note in my Capital One App to contact them so I did. In this time they continued to question me and the charges even though a case was opened up with multiple banks regarding the events of XX/XX/XXXX. After a brief hold I was told I was under investigation, my accounts were frozed until further notice, and that I would never be able to bank with them again. They have offered 0 communication and screen my calls sending me to leave a voicemail keeping me completly in the dark. My accounts had a total of {$32000.00} before interest payments and I expect every cent of that back as I am not the scammer, nor was I involved with the scam as I did not have any additional funds in my account post scam, or do I have any other bank accounts with the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed in XXXX Some were removed then added back. 

Inaccurate addresses I've never lived at have been added to my report.
Product: Vehicle loan or lease

I filed XXXX  XXXX in XX/XX/XXXX, and my attorney advised me to give back my vehicle since it was a bad deal! It was leaking oil & gas, and the check engine light kept coming on after SEVERAL repairs were done! Plus, it had a high interest rate so I agreed. My attorney said he would inform me & GM Financial, on making arrangements to surrender/return the XXXX XXXX. 
They came & repossessed the vehicle on XX/XX/XXXX while the bankruptcy was still active, then sent me a notice saying it would be auctioned on XX/XX/XXXX and I would be responsible for the balance! I did not think this was correct, and I did not like the threat of the letter! My XXXX  XXXX was DISCHARGED on XX/XX/XXXX & my attorney stated I am NOT responsible for any amounts remaining! As a matter of fact, GM Financial owes me for my down payment & money spent for repairs! GM Financial also needs to return to weatherproof mats and logo tag bracket I purchased per the Consumer Rights Act repair Section 23 : Right to repair or replacement!
Product: Credit reporting or other personal consumer reports

My credit report on XXXX credit journey powered by experian does not show the correct personal information. The name, birth year, and address are incorrect. The name shown on my credit report is XXXX XXXX XXXX, but my name is XXXX XXXX. The birth year on my credit report now is XXXX but my birth year is XXXX. The address on my credit report is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA but my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2020 Filed an dispute with Experian and XXXX  disputing Collection account by XXXX XXXX XXXX XXXX in the amount of {$1100.00} and the second account in {$790.00} I Have NEVER HAD AN CONTRACT OR ACCOUNT WITH THIS COMPANY EVER THIS INFORMATION IS FALSE AND NOT MINE! UNDER FAIR CREDIT REPORTING ACT THIS IS A VIOLATION BY BOTH EXPERIAN AND XXXX! EXPERIAN HAS SINCE REMOVED THE ACCOUNT IN THE AMOUNT OF {$790.00} AND NOT THE OTHER AND XXXX HAS FAILED TO REMOVE ANY OF THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX breech so as a prudent measure I decided to freeze my credit and my wife 's credit with the three reporting agencies. The only one I've had a problem with is Experian. I was somehow enrolled in the program XXXX XXXX XXXX for {$24.00}. They make it extremely difficult to cancel and force the customer to call the agency and remain on hold for long periods of time. They would not refund my money, forcing me to dispute it with XXXX. There is a much simpler way to Freeze rather than lock a credit account that is a different web address than the membership. Having spent 10+ years as an XXXX XXXX, I believe this is deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in my last attempt to DELETE and correct some personal information constantly reporting and still damaging my profile. My CURRENT AND ONLY ADDRESS is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX. MY CURRENT TELEPHONE NUMBER IS XXXX. MY NAME IS SPELLED XXXX XXXX XXXX and no other way. I ask you this one and final time to PLEASE REMOVE ALL AND ANY ERRONEOUS ADDRESSES, TELEPHONE NUMBERS, AND OR ALL OTHER NAMES, THAT ARE ASSOCIATED AND ARE STILL REPORTING ON MY CREDIT REPORT. PLEASE AND THANK YOU
Product: Checking or savings account

The bank closed and restricted two of my accounts with out any prior notifications and when I called to require about the issue a representive told they had no explanation for why and I needed to contact the security intake team because it was under review. I contacted them several times throughout the past month and I am sent directly to voicemail. They charged a reversal amount of XXXX $ which was deducted from the account without my knowledge or approval and I had XXXX in my checking account. These actions has caused me to be evicted from my place of residence and a lot emotional, physical, mental and financial and unnecessary stress on my family. I have e-mail the CEO of the bank and whomever else I contact to get this resolved but no response or results.
Product: Debt collection

I received an email from Collection Agency ; ROSSFRG.COM requesting that I settle a debt that I've paid. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX The settlement offer that was agreed upon was {$150.00}. 
I received another email requesting money again.
Product: Money transfer, virtual currency, or money service

Problem : XXXX XXXXt withholds equivalent of $ XXXX of my assets in Cryptocurrencies ( XXXX, XXXX, XXXX ) and have failed to address this for 7 days now ( as of XXXX ), I have attempted to communicate with them through their customer support, XXXX, and XXXX XXXX 

Damages : This is causing me significant losses as 1. I am missing out the current high staking rewards ( interest rate ) of the assets 2. preventing me from selling in a crashing market ( this has incurred $ XXXX in losses already ). Worst of all, it makes me fear for the solvency of their exchange. 


XXXX : XXXX - I unstaked ( the crypto equivalent of moving from a savings account to variable account ) XXXX worth approximately {$60000.00}. I was these would be available in 3 days. 
They have not released this as of today ( XXXX ) [ XXXX ] [ XXXX ] XXXX - I noticed that 3 days deadline has passed, but my staked funds were not released, and instead the release date was unilaterally extended to XXXX. [ XXXX ] I began to correspond with customer service to resolve this, also including on XXXX directly with senior employees. I have continued to do so since then but no progress has been made. 

XXXX - I began to get suspicious, as I have a large amount of funds with XXXX. I bought XXXX ( $ XXXX worth ) of XXXX to withdraw what I can out of XXXX. This is was fine until the withdraw, which immediately led to my account being frozen. [ XXXX ] I corresponded via email with XXXX, who requested my documents [ XXXX ], which I provided [ XXXX ]. No explanation was provided, and I was told to wait. Please note my account with XXXX  has been in use for over 8 years, with numerous deposits, withdraws in the past, XXXX was never an issue until this time.
Product: Money transfer, virtual currency, or money service

On   XXXX   XXXX   XXXX     I received a voice message on my home phone that " suspicious activity '' was detected on my   XXXX   XXXX   XXXX    Checking Acc ount. I was advised to go to a local branch and close my account and to show  2  pieces of identification. I did so the next business day on  X/XX/17    and my account was closed, a new account opened and a new debit card issued. On  X/XX/17    I was at the bank going over my account and it was noted that {$1200.00} was withdrawn from my new bank account that was set up on   XXXX     by  Western Union.  I had my account immediately frozen, a new account opened, filed a Police Report with  XXXX  Police Department and enrolled in   XXXX   XXXX  . I was advised to not use my home computer and to throw it away as whoever had " hacked '' into my account had m y IP a ddress. A fraud complaint was filed with   XXXX   XXXX   XXXX  . All of these things were done. About a week later I started receiving phone messages from  Western Union whi ch I did not return as I had no business with them. On   XXXX   XXXX   XXXX    , I received a letter from  Western Union  demanding payment for {$1200.00 } ( copies enclosed ). I h ave responded to  Western Union  that I do not know the person that is listed on their   XXXX   XXXX   XXXX     letter and did not authoriz e Western Union to debit  my account for any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today, XXXX/XXXX/2017 I applied for a loan with XXXX. I was denied the loan based on my credit score was too low. The credit score they reported based on Transunion credit Bureau was XXXX. My Transunion credit score is XXXX. I called prosper to ask why there was a discrepancy in the scores and they told me to call Transunion. I did. 

Transunion stated to me, not verbatim, but essentially, that when a lender runs a credit check they use a different model and that is why there is difference in the credit scores. So i then ask, does that mean the lender has the right to alter my credit score. She could not give me a definite answer as to why there was a discrepancy n my credit score. 

I then called XXXX back to inquire again, because no one is giving me an answer that sound legitimate. The stated to me, again not verbatim but essentially, they run a soft check not a hard check, that would go on my credit and us a different matrix and that is why i may be seeing different number. 

This still is not feasible. I could see the lender saying, o.k your credit score is too low for our criteria. We require XXXX and yours was XXXX. In addition to your score being to low you also had this this and this that goes against you getting the loan, but at no time should the credit score be altered from what the credit bureau is reporting. Correct?
If my credit score is XXXX given by Transunion then when a lender say they pulled my credit from transunion, it should still be XXXX, correct. 

Is it legal for a lender to alter you credit score or how does the credit bureau release a different score than what is documented on your credit report.