23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I purchased two used item from someone on XX/XX/XXXX & XX/XX/XXXX, but she didn't shipped it to me. After I made the payment through Zelle, she gave me a XXXX shipping tracking number the next day. ( For the second one, she never give me the shipping information ). The package was delivered to another address by this tracking number on XX/XX/XXXX. I contacted her and she said XXXX scanned a wrong package. The second delivery should be in two days, but it never happened. I was keeping ask her to contact XXXX to find out where the package is, she was always making excuses not to do it. She said she bought the insurance and will refund me if XXXX can't find the package. Now, I can reach her anymore. It was fraud. 
Her zelle account is XXXX with name XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal account opened at XXXX on under the account number ( private ), an auto loan account opened at XXXX XXXX on XXXX under the account number {$38000.00} ( private ), a personal car insurance account opened at Progressive {$790.00} under the account number ( private ), and a collections account opened at XXXX XXXX  with a balance of {$800.00} ( private ) XXXX XXXX XXXX XXXX {$23000.00}. 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 # ( 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, credit repair services, or other personal consumer reports

A civil action was filed against me XX/XX/XXXX by XXXX XXXX XXXX represented by XXXX, XXXX XXXX XXXX XXXX XXXX and later rescheduled for XX/XX/XXXX. i requested a full validation of the debt that was never provided to me, i showed up for court the first scheduled date but no representative of Capital One showed up, the date was rescheduled, before the second hearing date i received a letter from the court stating '' on XX/XX/XXXX, the complaint filed by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorneys for Plaintiff against XXXX XXXX has been Withdrawn. '' XXXX XXXX XXXX refused to remove the negative report off my credit report, i filed a dispute with XXXX  but still XXXX XXXX XXXX has refused to remove the negative inaccurate information. I have uploaded Documentations of prove showing the letter i received from the court as well as the request of full verification and validation of the debt and the Civil action against me.
Product: Debt collection

Hi Since about XXXX or XXXX I have been trying to dispute this Alleged debt. originally from XXXX XXXX XXXX. The account was originally opened XXXX The amount of {$360.00} is the balance ( I have no idea how much the total credit card limit amount was ) Because I NEVER OPENED AN ACCT. in XX/XX/XXXX with XXXX XXXX XXXX!! I have send many letters to XXXX XXXX & nothing, & to the credit bureaus. & It would be off my credit because of the 7yr statue of limitation would be this year but XXXX XXXX sold the debt. to a collection agency in XX/XX/XXXX to PORTFOLIO RECOVERY ASS. XXXX XXXX XXXX XXXX. XXXX VA XXXX .... ( they do this purposely so it won't be removed in the 7 yrs! ) IT SHOULD BE ILLEGAL!! 
I Have sent for years, several dispute letters to portfolio recovery & they can not proof this debt belongs to me, no original contract, no wet signature nothing but a summary of a bill ... any one could open this acct. online with my personal info & they are violating my rights because they have ignored all my letters to dispute & validate this debt. that does NOT belong to me, it is being reported on XXXX XXXX XXXX XXXX & it is affecting my credit scores. I am tired of them reporting fraud on my credit reports! I deserve it to be removed immediately! If this debt was mine I would have been paid it by now!! It is only {$360.00}!! It is against the law for a 3rd party company to report on my credit reports with out proper validation & they can't proof it, because they know it doesn't belong to me in the 1st place, they are just greedy debt collectors & don't care about doing the right thing!! I have several credit cards & all are reported paid & on time & in good standing, with way higher limits! THIS IS RIDICULOUS!! This is hurting my chances of getting a better interest rate for a new home I plan to buy soon. I appreciate your help. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Checking or savings account

On XX/XX/year> TRUIST Bank honored and placed a stale fraudulent unauthorized levy/garnishment freezing my checking account XXXX. I faxed and emailed to TRUIST Bank levy department the same day, XX/XX/year> a Florida circuit court order that vacated and prohibited the Virginia levy with prejudice. The TRUIST Bank account was established in Florida, I live in Florida, the court order is from Florida, competent jurisdiction is in Florida. I never lived in Virginia. Pursuant to article IV sec 1 of the U.S. Constitution and 28 U.S. Code 1738 Full Faith & Credit clause the Florida circuit court order must be adhered to by TRUIST Bank. The Virginia stale fraudulent claim must be rejected and released. No monies are authorized by me the account holder to be released to Virginia. TRUIST Bank is refusing to close the account. TRUIST Bank is in contempt of the Florida circuit court order. I will take legal action against TRUIST Bank if the levy is not released for violating the Florida circuit court order, the U.S. constitution article IV section 1 and 28 U.S. Code 1738 full faith and credit clause.
Product: Student loan

I submitted an Income Driven Request form on XX/XX/23 FOLLOWING failure to provide a billing statement on time with MOHELA. They placed me in the forbearance. Since then, my payments have resumed and they continue to process my IDR request. Ive reached out for an update with no update. They continue to provide misleading billing statements, giving me one number and then 2 weeks later sending me another, and then telling me my payments are overdue when Ive paid the original number. I still do not have a clear payment amount due to them still not processing my income driven repayment plan.
Product: Debt collection

I checked my paycheck stub and noticed that I had a garnishment unbeknownst to me. I do not know what this debt is for and did not have proper notice to dispute this debt nor was I ever made aware of any court dates I needed to be present at to answer. My employer also did not make me aware of this before hand. The attorney representing the company is Aldridge P Han. When I spoke to them they only had basic information and said the company is called XXXX XXXX. I have never heard of this company or had any business dealings with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$7500.00} XXXX XXXX {$4100.00} XXXX XXXX {$5400.00} CHAPTER 7 BANKRUPTCY DISHCARGED XXXX {$0.00}
Product: Debt collection

Never given amounts, refused to send verifying documentation of amount owed and to whom it was owed, multiple calls, called XXXX XXXX family members claiming to be lawyers or police and that if they didnt pay the amount owed ( again never reveling amount ) theyd take legal action for bank fraud, my husband owes no debts, we just purchased a home and paid off all our debts so. I do not like when these companies harass people and lie to get debts that were already settled ( they pay for the amount not settled and I really wish the government would change that option to not be allowed )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX : XXXX XXXX XXXX Balance : {$550.00} Equifax XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX : XXXX XXXX XXXX Balance : {$550.00}
Product: Checking or savings account

I lost my debit card XX/XX/year> and there was Fraudulent Transaction made on my Chime Checking Account and there was 5 Fraudulent Transaction Made in my account i contact Chime to dispute the transaction XX/XX/year> and chime open a dispute for me then the dispute came back Denied XX/XX/year> and no credit or anything was put back to my account and they refused to help me and get my money back and denied to re-investigate the case and I explained everything things that happen how i lost my card and my claim was denied regardless please help me with this matter please this is terrible and i lost a total amount {$66.00} And Chime Refused to help me get my money back and made and incorrect decision on this claim : XXXX
Product: Mortgage

XXXX and XXXX XXXX lives at XXXX XXXX XXXX, in XXXX, IL XXXX. XXXX XXXX XXXX is our mortgage company since 1999. XXXX and I paid mortgage payment on our home on time 20-years, until the predatory lending took place 5-years ago. We tried to get a modification from XXXX XXXX XXXX, and they did not offer it to us. We went to XXXX, and battle with XXXX XXXX XXXX until, XXXX and XXXX XXXX filed our chapter XXXX, with XXXX, three years ago. We were told to move out of our home, we did for an entire year. After a year of renting in XXXX a apartment, We were asked by XXXX XXXX if we wanted to move back into our property and we told our attorneys at XXXX XXXX we would. XXXX did not tell us we were reaffirming the debt owed on the property of {$63000.00} dollars, that was added unto our mortgage after moving back into our home a year later, and after filing a Chapter XXXX on the property three years ago. So, XXXX XXXX XXXX added the {$63000.00} dollars on our mortgage, then sold our loan to Green Tree Servicing LLC/DITech. The Green Tree Servicing, LLC/DITECh, added unto the {$63000.00} dollars, along with {$81000.00} dollars more that exist on our mortgage now, even after hiring a second set of lawyers, The Law Firm of XXXX XXXX on the south side of XXXX. Gree Tree Servicing LLC/DITech, will not defer our payment to get a lower monthly mortgage. I XXXX XXXX is not working, my husband is the only XXXX working, XXXX XXXX and he is a veteran. XXXX XXXX XXXX wanted to switch XXXX and I to a HARP program after we asked the law firm too, but Green Tree Servicing LLC/DITech mortgage company refused to lower our monthly mortgage along with adding a additional {$500.00} dollars unto the {$1400.00} monthly mortgage that we are paying even now, and yet still not signed up with the HARP program for a lower monthly mortgage.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? A few of the mentioned accounts are incorrectly reported.
Product: Student loan

I have XXXX Fedloans that became delinquent and reported on my credit XXXX and XXXX days late in XX/XX/XXXX and XX/XX/2015, I was then granted a forebearance for a date before the delinquency through the date of delinquency on XX/XX/2015. When I checked my credit reports from the XXXX credit reporting agencies, I noticed that those delinquencies had not been updated per the forebearance, as stated by law, any new information must be updated by the furnisher. I first contacted Fedloan and asked them to remove the delinquencies as the granted me a forebearance for a date prior to the reported deliqencies through the date of the delinquencies, and they did not update the information, then I disputed the delinquencies All XXXX credit bureaus showing proof of the forebearance and they did not update my information or make the fedloans properly respond to my dispute and is still reporting the information that is incorrect on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a XXXX XXXXXXXX credit card was opened without my knowledge or authorization. The current balance is {$5400.00}. 

On XX/XX/XXXX a {$500.00} XXXX XXXX XXXX was opened. There currently is no balance. 

On XX/XX/XXXX a fraudulent inquiry was opened and placed on my credit report by XXXX On XX/XX/XXXX another fraudulent inquiry was reported by XXXXXXXX XXXX  On XX/XX/XXXX another fraudulent inquiry was reported by XXXX XXXX On XX/XX/XXXX the final fraudulent inquiry was reported by XXXXXXXX XXXX
Product: Mortgage

I just refinanced my mortgage with Finance of America Mortgage. The first payment was due XXXX XXXX, 2016. I mailed the payment in XXXX. They applied the payment INTO SUSPENSE on XXXX/XXXX/2016. They notified me that there would be a new lender effective XXXX/XXXX/2016. They refuse to apply the payment to the loan even through they show they received the payment on XXXX/XXXX/2016. They are telling me that they plan to send the payment to the new lender, but they are CURRENTLY my lender and servicer. My mortgage contract stipulated in what order the payment will be applied. There is NO ESCROW account, so the only choices for a early payment would be P & I. There is no option for SUSPENSE.
Product: Credit reporting or other personal consumer reports

I did not file XXXX  its reporting on my credit report I was a victim of identity theft where someone use my name and git discover credit card on my account I submitted a copy of my police report
Product: Checking or savings account

Opened the 360 savings account back in XXXX XXXX, with the higher apy but my actually account was with the interest rate at 0.03 % not the performance account. Had me thinking my account was accumulating monthly interest. But it was not
Product: Debt collection

Capital One, XXXX did not contact me until my card had already been maxed out and then I tried to tell them my identity had been stolen and they never did verify the debt. I just wish some one would have let me know that this was happening before it got to be such a huge issue.
Product: Credit reporting or other personal consumer reports

I've recently reviewed my consumer report and noticed that there are negative accounts reporting on my consumer report that are INACCURATE and were open with an address I HAVE NEVER LIVED. ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ACCOUNT NUMBER XXXX XXXX. XXXX ACCOUNT NUMBER XXXX XXXX. XXXX XXXX NUMBER XXXX Consumer XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted Experian and XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof
Product: Credit reporting or other personal consumer reports

I have been trying to get XXXX to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand XXXX to remove all items within attached notice.
Product: Checking or savings account

Funds for being removed from my account and was not about upload checks account was frozen when account unfroze fine was removed from my account
Product: Checking or savings account

Its not letting me cash out like i normal do in my bank account and my account was overdraft
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. 
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 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 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 or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I am a HUD approved housing counseling and have been working with XXXX XXXX to assist with her mortgage situation. I have faxed a third party authorization to M & T Bank XXXX times first on XXXX/XXXX/15 have confirmation sheet it was received and they I call to speak to someone regarding the file and was told they did not show authorization on file. I faxed the authorization a second time on XXXX/XXXX/15 again go a confirmation it was received but they are stating they do not have authorization on file. This has happened to me on other file I have been working with M & T Bank so they seem to have a pattern of not getting authorization even though we have verification they received.