23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a victim of identity theft, where someone opened a bunch of credit cards/accounts under my name in XXXX without my knowledge or authorization, and spent almost {$70000.00} across different banks and retailers. The fraudsters started by changing my mailing address with USPS and I didn't become aware of the fraud until they opened a credit card with one of my actual banks. I haven't lived in the U.S. since XXXX, so don't check my U.S. credit report on a regular basis as I don't use my U.S. credit card. In XX/XX/XXXX, I checked my credit report and discovered that numerous credit accounts had been opened, with XXXX XXXX XXXX dollars posted as major derogatory. 

I had placed a freeze with all XXXX XXXXr credit reporting agencies and disputed all the charges with them. I also contacted all the banks individually to report the fraudulent transactions in early XXXX. Within a month, all the banks ( XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX ) besides Capital One and XXXX XXXX  ( XXXX  ) removed the fraudulent accounts from my credit reports. 

Capital One : I contacted them over the phone on XXXX XXXX, XXXX, Saturday, about a fraudulent account with about {$13000.00} outstanding, requesting to remove it from my credit history and then never heard from them. I called back on XX/XX/XXXX, and after an hour of back-and-forth with XXXX representatives, the fraud department representative told me that my case was investigated, found to be non-fraudulent and closed on XXXX XXXX, XXXX after one business day. I didn't receive any communication from Capital One. I reopened the case by providing the details of the police report that I have filed. My case number with Capital One if XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX I contacted them over the phone on XXXX XXXX, XXXX, about a fraudulent account with about {$4500.00} outstanding, requesting that the credit account be removed from my credit history as I never opened it. My case number with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX months later, XXXX, along with Capital One, are the only XXXX banks that have not removed the fraudulent accounts from my credit report and continue to insist that they are non-fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to address the unlawful reinsertion of a previously disputed and removed debt on my credit report. This reinsertion occurred without the legally required notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned about the accuracy of the information provided, as well as the protection of my personal information, which federal law mandates must be safeguarded by your agency. Accuracy Obligations Under the FCRA and Case Law The FCRA imposes a duty on credit reporting agencies to maintain and follow reasonable procedures to ensure the accuracy of information included in consumer reports. This duty is articulated in 15 U.S.C. 1681e ( b ), which requires that CRAs ensure maximum possible accuracy. Several court decisions underscore the importance of this obligation : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that a CRA is responsible for verifying the accuracy of information in a consumers credit report and can not rely solely on the information provided by creditors, especially after a dispute has been raised. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that CRAs must conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report, and that they can not simply rely on the information provided by a creditor. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case emphasized that CRAs must do more than simply verify the accuracy of their data with the original source ; they are responsible for ensuring that the data is correct. 
Permissible Purpose and Protection of Personal Information In addition to ensuring accuracy, federal law requires that CRAs only share my personal information with third parties who have a permissible purpose under the FCRA. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a CRA may furnish a consumer report, which includes credit transactions, employment, insurance underwriting, and other legitimate business needs. Importantly, 15 U.S.C. 1681b ( a ) ( 2 ) requires that my written consent must be obtained before sharing my credit report for purposes other than those listed in the statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion currently reports XXXX XXXX XXXX XXXXXXXX inaccurately. In and around XX/XX/2020 XXXX XXXX XXXX XXXX was reported on my Transunion credit report without notice 5 business days as required by federal law section 1681 of the fcra rules. This is a  violation.
Product: Credit card

I called American Express to ask if my card benefits include trip cancelation or trip interruption. My card does not have the benefit, so I asked about a card upgrade. The upgraded card does have these benefits. As I read through the upgraded card benefits, I looked for more information about coverage and acceptable reasons for claims. This directed me to XXXX XXXX XXXX XXXX, and XXXX XXXX. Amex said I had to ask my questions to them, so they connected me. The XXXX agent said she could not answer any questions about card benefits for a card that I do not currently have. I ask how I could make the decision to upgrade if I don't know the details of an important benefit. Eventually the agent connected me to a supervisor. They also could not answer any questions about benefits associated with the card I was considering upgrading to. My only option is to upgrade to the new card, pay {$300.00}, and then get my questions answered by XXXX. This is a consumer protection issue as it requires the consumer to spend money and be locked into a card ( with the impacts on my credit report if I cancel the card ) in order to get answers to simple questions about features of that card. Terrible!
Product: Debt collection

Carter-Young is knowingly relying on inaccurate information from their client. They have copies of the Paid-In-Full Lease Contract I signed as a Guarantor with an End Date of XX/XX/XXXX. Carter-Young also have a copy of the new XXXX XXXX, XXXX, that I did not sign as a Guarantor they are trying to collect on. XXXX is harassing me by negatively affecting my XXXX XXXX XXXX XXXX me to pay a debt I do not owe. I received one ( 1 ) notice from Carter-Young on XX/XX/XXXX, dated XX/XX/XXXX. I responded back to Carter-Young on XX/XX/XXXX, advising them this was not my debt. They sent the negative collection to my Credit Report on or before XX/XX/XXXX without allowing me thirty ( 30 ) days to dispute the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had online accounts setup with XXXX, XXXX, Transunion, and XXXX to login and check my credit reports which I have not done for several years. I have a freeze on all these accounts. I tried to check the status of each of the XXXX with the online usernames and passwords we had setup. Today I found out than none of the logins I had established work now. None of these companies ever notified me that my login was XXXX. If I desire to make a large purchase and need to temporarily unfreeze the my accounts, I have no way to contact these companies because my logins are shot. I can find no way to write to the companies to correct these problems that they made. The only thing they offer for help is a phone number which leads to an endless que to waste my time with each XXXX of these outfits which I refuse to accept. THEY CAUSED THIS PROBLEM, YET I'M SUPPOSED TO WASTE UNKNOWN HOURS TO GET THIS FIXED. Why are their online security setups so messed up that they can not maintain a login online? This is unacceptable.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and discovered an inaccurate. My reports reflect a late payment dated XX/XX/year>, on my XX/XX/XXXXaccount ending in XXXX, despite I have never missed a payment on this account. Consumer reporting agencies have a critical role and a corresponding duty to report consumer information with maximum accuracy. I request that you investigate this discrepancy and provide documentation from XXXXXX/XX/XXXX, in the form of bank statements, substantiating this alleged late payment. if proof cant be provided, I demand this payment be updated to on time as it should be as I was Never late. Thanks
Product: Mortgage

After paying our mortgage on time for 25 months, we had an automatic payment returned to us. This was due to a new credit card that we decided to use, different from our current process, so I paid it off not knowing the mortgage hadn't been paid yet. So when Flagstar automatically took the money out of the account, we didn't have it all. This, unfortunately, happened XXXX times in a row. It happened a third time but the reason being that the transfer of funds from XXXX account to another didn't happen in time ( within hours ). We were charged a penalty fee for each occurrence. We tried to pay for XXXX but noticed we were unable to pay online. We called Flagstar and they told us that, because of our returned payments, we can only pay our mortgage by mailing in a money order. In the Electronic Funds Act, under Section 'Initial Disclosure of Terms and ConditionsSection XXXX ' it states the financial institution must disclose the terms and conditions of the EFT process. Flagstar does, and I've attached those terms and conditions, however, nowhere does it say that they will remove the ability for a consumer to be able to pay online. We have the money, want to settle everything, have identified the problem and understand how to prevent it moving forward, and have paid penalty fees for it, but now we have to mail in our mortgage payment, via a money order, which increases the possibility of incurring future late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX ACCOUNT 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: Mortgage

XX/XX/ I was forced to sign a loan modification to avoid losing my home to foreclosure. I tried several times to pay past due amount but was refused until a modification was the only choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY, PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

This person can barely speak english and has repeatedly called threatening legal action but will not tell me what it is for. They have called me, my employer, and family members giving out my information
Product: Debt collection

I tried to settle this debt. I had a house fire in XXXX the same year. They refused to accept the offer. This was with Capital One before collections. Then they closed it out, and it was listed as a charge-off I believe. Then, I started getting calling early morning before XXXX XXXX  and even night after XXXX and " All '' throughout the day by the collection agency about taking my property. I was having my house rebuilt, having problems with the contractors during this same time. So, I couldn't handle the stress. I have a brain injuries which caused me to be determined XXXX following a car accident. I was in a XXXX, required round the clock care for several years as well. Because, I was thinking about XXXX  myself because everything was so crazy, I went to see a XXXX. After which, I retained an XXXX XXXX in XXXX Michigan to handle and make arrangements. The arrangement was XXXX dollars each month. I missed 1 or 2 payments, but i contacted the collection agency prior to that I was having problems with payments. My house isn't finished yet, so I had to rent an apartment. I just moved into my home since the fire in middle of XX/XX/XXXX. I informed all parties of my situation. The collection company sent me a certified letter on XXXX at my P.O. Box that the collection agency placed a lien on the property. I never, received the notice that they were going into court to place a lien on the property. Dated XX/XX/XXXX. On the court filing document It had my name and P.O. Box which I've had for years address. Yet, they certified me a copy of the lien, but FAILED to sent me a certified copy of the court filing. When I called them they said they couldn't talk to me only my attorney. The debt was for XXXX in the beginning or a little less. Now it's over XXXX. Finally we ar in a PANDEMIC every business, courts, daily routine life was interrupted due to the virus. I believe they intentionally didn't send me a notice, because they knew courts were closed to the public. Courts are still closed to the public currently due to the rise in deaths, and the Governor of Michigan closed Michigan back down for 3 weeks, almost XX/XX/XXXX, it might get lifted. They filed this in XXXX there was no reason good cause that ( I ) didn't receive notice. They had my address it's on the filing form. I would've addressed if I had been properly notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$79.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX numerous times to dispute an account that is not mine and may be a possible case of identity theft. I have no memory of this account.I have asked that thisaccount be removed after exercising my right under Section 609 ( a ) ( 1 ) ( A ), the requirementof creditors and credit reporting agencies to verify accounts through physical documentation, verification of the original signed consumer contract and/or identification used to open the account. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I have requested such documentation from XXXX XXXX and it has not been provided. I also requested physical verification from XXXX XXXX, XXXX, and XXXX, all of which have not provided any sort. Somehow, these credit bureaus keep verifying data without furnishing any proof of a proper investigation or obtaining the physical proof required by section 609 ( a ) ( 1 ) ( A ) of the FCRA. When asked about this, XXXX, XXXX, and XXXX XXXX personnel replied that they use the E Oscar system to verify debts. This is not acceptable. These credit bureaus keep verifying information that is incorrect by basically matching numbers already in their data base, thus making it next to impossible to remove an account that isn't mine to begin with. This is not a reasonable investigation and their willful noncompliance is a violation of my rights as a consumer. This is my last step in trying to resolve this issue before seeking relief and monetary damages for violations under FCRA sections 616 & 617
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX OF XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Identity Theft, block and remove hard inquiry, inquiry did not come from me FTC report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX it shows an account has been closed and the following still appears on my credit report. Per code 15 U.S.C. 1681 has been violated. 

MIDLAND CREDIT MANAGEMENT {$1200.00} Balance has been charged off XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance XXXX {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
Product: Debt collection

The original debt was to hsbc I settled the debt on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have a letter from them that debt is paid in full acct # XXXX and have spoken with them and they say they own the debt I settled I have had several phone call from several debt collectors about this same debt but recently I received a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the same debt I gave them a call and told them that I had already paid debt and sent proof and I did get a letter from them dated XX/XX/XXXX that my dispute has been acknowledge and then I got an elert on my credit report that a company had put a collection on my account for the same debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I think we have no protection from debt collectors the XXXX company XXXX at least sent me a letter telling me about the debt but the other company XXXX XXXX XXXX I never received a letter from them the credit bureau just let them do what they want to do as long as they pay for their service as far as the company I paid the debt I think they are responsible for not reporting properly or selling the debt after it was paid I really need some help I have paid all my debt odd but this one wo n't go away so do what the government suppose to do and protect it citizens thank you
Product: Mortgage

Approved for HAF program ( Homeowners assistance fund ) months ago under The CARES-ACT signed into law by XXXX XXXX on XXXX XXXX. US Bank Mortgage delays posting payments by weeks now over a month from receiving funds from the Government, incurring late fees and reporting late payments to credit bureaus while having the money in their possession. US Bank Mortgage received government funds for XX/XX/2023 Mortgage payment of {$1900.00} on XX/XX/2023. To date payment has not been applied, charged a {$40.00} late fee, and reported late Mortgage payment to all 3 credit bureaus. After assuring me it would not be reported it has now effected my credit score and excellent payment history. Receiving non-stop collection calls for XX/XX/2023 payment they already have since XX/XX/2023. XXXX payment still not applied either. Company assures me account has notice on it that we are HAF recipients and should not be getting collection calls and late fees shall be reversed when they get around to posting it. Been told their company is not set up to process all the HAF funds in timely manner. Their claims are their system not set up to handle these issues on posting payments when received. Online account does not show moneies received until they finally post well after grace period. This prompts calling them every month to confirm monies already received. This is effecting millions of Americans credit due to their inefficiency to provide service. The Governent website states " The Homeowner Assistance Fund ( HAF ) is designed to mitigate financial hardships associated with the XXXX pandemic by preventing homeowners mortgage delinquencies, defaults, foreclosures, and displacements ''. This is not the case. They receive the money and inability to promptly apply payments has caused delinquency. Resulting in credit reporting at no fault of account holder.
Product: Money transfer, virtual currency, or money service

I went on vacation to XXXX from XX/XX/XXXX to XX/XX/XXXX and when I got back CoinBase froze my account that had XXXX Ethereum coins worth roughly $ 55k at the time. When I found out they froze my account, because of my vacation I received a notice to submit my proof of residency and proof of citizenship. I tired emailing on XX/XX/XXXX with no response. There is no phone number to call. I tired submitting a ticket and provided all of the  required information. It has been over three weeks now and I have not received a response from the company. Over the last three weeks my account value has dropped significantly from $ XXXX. CoinBase has already cost me many thousands of dollars, please help me regain access to my account. I was planning on using the funds to replace the roof on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This late payment was of no fault of my own. This was due to the change in agreement that Comenity Bank and Wayfair had. The online payment system was removed from the Wayfair shopping platform as they have a new credit card program and there wasnt any way of paying without access to the platform. 

Additionally, I had made a call Sun, XX/XX/2020 to the Wayfair Credit Card Customer Care Center when I realize that they payment I have submitted haven been withdrawn from my Checking account. I was informed that my account was up-to-date and that the payment will be process soon ( Please see attachment of email from the Wayfair Credit Card Customer Service Department asking me to do a survey after I had called that day ).