23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, and XXXX charges from XXXX XXXX XXXX XXXX were on my account. I did not see them til around the middle of XXXX due to the fact I do not use my credit card that often so didn't open my bill upon its arrival. My daughter who pays my bills immediately called the company and got them to close the account and issue new ones unfortunately they only issued one to her mine never came. That was the XXXX statement when we saw them closing date of XX/XX/2020. We called the company and talked to a XXXX on a conference call in the fraud department and he said there are other charges from a car rental I am assuming you have not been anywhere else would like me to get rid of those also and we said yes. So on the bill closing date of XX/XX/2020 the charges had been removed we had a new account and assumed everything was taken care of. Imagine our surprise when opening the new account bill dated closing date XX/XX/2020 there was a charge from XXXX rent a car in XXXX Fl for XXXX on XX/XX/XXXX posted to the account on XX/XX/XXXX. This time my daughter called the company and we did a conference call so they knew she could talk on my behalf and talked to a XXXX who assured me after explaining what was going on they were all removed and she kept saying its marked as fraud why is it there. What was confusing to us and no one can give us an answer on is how those charges were able to be put on our new account. So again we assumed it would be taken care of silly us upon opening the statement dated XX/XX/2020 it was still there so we called again on XX/XX/XXXX because we were able to be together in my daughter 's car spoke to a XXXX  in the fraud department who after hearing of our situation and veifying my information immediately put us on hold for 10 mins and then someone called XXXX got on the line and put me thru the 3rd degree asking me questions that no one had ever done to me before since I am XXXX I got a little confused and my daughter tried to help and the woman said he must answer where my daughter said well he won't know that answer because i don't even know that answer. Once she listened to us she said yes there is fraud i can see that my daughter said do you see the one from XX/XX/XXXX she said yes I will get it taken care of and we will change your account number and send you new cards. Unfortunately the XXXX statement came and the XXXX rent a car charges from Oklahoma have been removed they were XXXX but not the XX/XX/XXXX. So my daughter has now been checking it online and they have not yet removed the one from XXXX nor have they sent us new cards. We wrote a letter and sent it to them and have yet to hear from them and I will now be marking my statement disputed and only pay those charges that I owe. My daughter has locked the account so no one can use it also. In addition I will be reporting this mess to the Wisconsin Fraud dept if I can figure out where that is and may try the XXXX police department because it is definitely theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

Chase bank posted a fraudulent transaction for {$3800.00} earlier in the year. They started out by reversing the charge and I had my money and access to my account. Then, on XX/XX/2021 the fraudulent transaction was re-posted to my account and Chase will not reverse the charge at all. I've filed every form their company offers to get my money back and have been refused help by Chase.
Product: Credit reporting 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 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 told Equifax to reinvestigate the accounts related to XXXX XXXX XXXX ( previously held by XXXX XXXX XXXX  XXXX ). However, they stated that everything was complete and accurate but how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C. 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

Also refer to : 15 U.S.C. 1681 section 602 a 15 U.S.C.1681 section 604 A Section 2 15 U.S.C. 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) Also they aren't. even compliant with metro 2 credit reporting.
Product: Mortgage

On XX/XX/XXXX, I made a second mortgage loan with XXXX XXXX XXXX. On XX/XX/XXXX, my loan was sold to XXXX XXXX  XXXX XXXX, and on XX/XX/XXXX, the loan became serviced by Shellpoint Mortgage Services. I was never notified that my loan was being sold to XXXX XXXX and serviced by Shellpoint. Shellpoint has a history of not sending statements timely, which led to my loan becoming late over several months. I spoke with Shellpoint numerous times to rectify the problem but no resolution was reached. Per Shellpoint, they use a third party to prepare and mail mortgage statements. I have done whatever I can to work with Shellpoint to keep my account current. I recently received a Notice of Default and Intent to Accelerate dated XX/XX/XXXX, and postmarked XX/XX/XXXX, stating an amount of {$300.00} was due within 45 days. I also received a monthly billing statement dated XX/XX/XXXX, postmarked on XX/XX/XXXX, stating total payments due was {$470.00}. Another statement dated XX/XX/XXXX, postmarked XX/XX/XXXX, stated {$480.00} was due. In the meantime, I had sent {$100.00} on XX/XX/XXXX and {$280.00} on XX/XX/XXXX. Neither of these payments were processed timely by Shellpoint. The {$100.00} payment was posted to my checking account on XX/XX/XXXX, and the {$280.00} was posted on XX/XX/XXXX. So apparently, payments are sitting at Shellpoint for a long period of time before being processed. From a phone call with Shellpoint on XX/XX/XXXX, I found that the remaining balance of {$100.00} would be coming due on XX/XX/XXXX. I have not received a statement for that amount. I asked to speak to a manager regarding these issues, and I made the {$100.00} payment over the phone, which now brings my account current. My problem is that I received a Notice of Default letter when it clearly looks to me like the problem is with Shellpoint not providing timely statements. To me, this looks like an unfair and deceptive collection practice. Also, Shellpoint is making harassing phone calls to me six times a day, after I have already asked them not to call me because my line of work ( truck driver ) does not allow me to answer the phone without the possibility of losing my job. I have also been charged a late fee of {$7.00} that I feel is unfair since the statement was postmarked AFTER the due date of the invoice. The account manager I spoke with today ( XX/XX/XXXX ) is aware that their account statements are not being sent timely, and told me they are " looking into getting statements sent more timely ''. This conversation with Shellpoint was recorded with recording number XXXX. As of now, my account it paid ahead of schedule, and I want to keep it current, but can only do so if statements are sent timely, allowing to make a payment within a reasonable amount of time before it is due.
Product: Money transfer, virtual currency, or money service

i am victim from a scam... i spoke to Coinbase and XXXX XXXX about it..
Product: Debt collection

I don't knw dis company never did business with them dis account is faurd and identity theft I have no contact with them no never talk are spork with them so dis company was open up in my name by faurd
Product: Credit card

I have complained about this to you once already. You forwarded my complaint on to Chase and they gave you a bogus response. I sent a response to you stating that they ( Chase ) had not addressed my issues. Instead of keeping my case open and asking Chase further questions, you just blatantly closed the account!! What good is the CFPB if you are just going to shut down complaints after I've told you they ( Chase ) have not addressed my issues?! Your need to go after companies like Chase that are doing this huge disservice to customers ; instead you just close reports after they ( Chase ) give you a bogus answer. I initially complained to the Comptroller of the Currency, but they told me you were the ENFORCEMENT agency for this type of issue. I don't see you ENFORCING anything. You're just rubber stamping what the bogus companies tell you and closing the complaints! Are you working for the Us citizens who've been taken advantage or are you working for the major corporations like Chase? Seems like the latter! It's obvious you believe them and not me. I guess I now have to complain to my Congressman because YOU aren't doing your job. XXXX XXXX would NEVER have allowed this to happen if she was still running your agency. I feel like your organization is worthless because you aren't doing anything to address my issue except believing the companies and ignoring me. Thanks for nothing! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Capital One is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I obtained and reviewed my consumer report from LexisNexis. Upon reviewing the report, I discovered numerous inaccuracies and unauthorized information being reported about me without my consent. 
This false and unauthorized information has caused significant damage to my reputation, character, and quality of life. Additionally, LexisNexis has been in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) by collecting, using, and reporting my personal information without my consent.
Product: Credit reporting

Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against TransUnion for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Transunion, which has been one of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Transunion only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. The collection agency refuses to speak to me and they have, on numerous occasions, hung up the telephone while I was speaking and questioning their debt claims against me. I have also filed CFPB complaints against the collection company, XXXX XXXX in XXXX California, for illegally and fraudulently reporting onto my credit file with Transunion. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this is absolutely in violation of that.
Product: Debt collection

Per the FCRA and UCC & 2-302, this collection is attempting to collect on a debt and is not licensed in the state of GA to collect. Secondly I have disputed the alleged debt several times and only notes are added to my credit file. I have requested proof of debt from collection agency and the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX ( XXXX ) The following is reporting as a result of Identity Theft/Fraud : XXXX XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect, and I do not owe this amount. Please investigate and remove the incorrect balance from my report. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXX XXXX XXXX XXXX. 
Inaccurate Information : The balance reported is not owed. Please investigate and remove the incorrect balance. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXXXXXX XXXX Account Number : Ending in XXXX Inaccurate Information : The reported balance and payment history are incorrect. The balance is not accurate, and the payment history is incomplete. Please correct the balance and update the payment history to reflect accurate information. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect and is not owed. Please investigate and update the account to show the accurate balance. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 


These accounts violate FCRA Section 605 ( c ) [ 15 U.S.C 1681c ], FDCPA 807 [ 15 USC 1962e ] ; FDCPA ), 15 USC 16921692p.
Product: Debt collection

XXXX $ was randomly taken from my Bank Of America checking account because of identity theft from over 4 years ago. Bank of America never tried to reach out to me about the debt. I tried contacting Bank of America and they disconnected the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked, gave up vital personal information. Forced to pay for credit freeze. Outraged with company practices, hope the owners who sold their stock go to prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. 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.