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

On XX/XX/2024, I made XXXX, {$100.00} increments to my PayPal balance totaling {$400.00}. I later went to pay a bill and discovered the money was gone. I immediately reported it to PayPal and although they looked into it, they say because it shows in the app that I physically sent the money that they could not help me. 
I never ever made those transactions out of my account to anyone anywhere including this so called XXXX XXXX person. I noticed after the fact that the {$3.00} I had in there was used to make a small transaction prior to but I never took notice to that. I dont recall getting an alert either. After that apparently, thats when the bigger amount was gone. PayPal then send me an email telling me my case was closed and money could not be recovered. 
I received a text message after midnight last night from a supposed friend from a number I am not familiar with at all, expressing how and what happened concerning the hack. 
The XXXX, NJ XXXX  XXXX has obtained additional information as well as photos of the individual involved who is believed to be the suspect. He resides in XXXX I have sent him a {$25.00} amount of cash to his XXXX XXXX card this past weekend with a promise to pay back and never received. This individual is big on using XXXX phones, XXXXXXXX XXXX and has now requested a new XXXX XXXX card the other day. 
This was someone I truly believed to have trust in but he is extremely intelligent and very knowledgeable and hacked into my accounts to make it all look like I did the transactions on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that XXXX were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. XXXX separate disputes were filed with XXXX ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : XXXX Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, XXXX is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XXXX  Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from Transunion and XXXX credit reports, although when comparing them the payment history does not report the same patterns ... see Transunion and XXXX attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Email to XXXX XXXX XXXX requesting a credit history to be reported. 
I am in need of fico points. ( not very many either ) They replied and said they do not do XXXX XXXX 
This lack of transparency is causing an inaccuracy or the lack of information in my credit report and a hardship as I can not get a mortgage as a first time XXXX buyer ( even with a VA loan ). 


Step XXXX Below would not let me put XXXX XXXX on that line they are the problem not experian.
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 XXXXI XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights .

15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) 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 more than seven years.

15 U.S.C. 1681S ( a ) ( 1 ) states that 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, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/2024 I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 


To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$5300.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

They take more than 2 weeks to completely charge me with all my payments. And I when I ever go out the limit there is always a fee on my account. I see no dollars taken out at the moment I make my payment until like 2 weeks and they always leave me at a negative number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts
Product: Debt collection

I previously sent a demand letter requesting the removal of this Collection Item that does not belong to me. I have documentation from Spring Oaks Capital , LLC and XXXX XXXX account stating that it was removed. However, they are still reporting it to the credit bureaus. Their firm has failed to send the legally required validation of this Collection Item Number. They have been notified that their actions are detrimental to me and that their firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Their firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Both companies failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Both companies communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I, XXXX XXXX, has suffered and continues to suffer general and specific damages. I am also very upset at their firm 's intentional infliction of emotional distress and at the other diminished quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ) as well as within both company 's systems. As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions their firm is having on my life. Including but not limited to harassing text messages, phones calls, and inaccurate reporting. Thank you in advance for your attention to this matter.
Product: Debt collection

I have never contracted with this company and I no knowledge of this a ledge loan. I dispute this debt, and its entirety. I have requested debt validation. Ive also sent interrogatories for them to answer, and they. I dispute this debt, and its entirety. I have requested debt validation. Ive also sent interrogatories for them to answer, and they have not responded to any of my correspondence. I also responded requested proof of claim. They didnt comply with FCRA law. I never received In information about this matter before it was reported on my credit I filed a complaint with the Georgia state Attorney General about this company for violation Federal Law in respect to FCRA and the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

Im exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Experian has verified that this fraudulent account is accurate and I would like to know the method of verification that was used, please provide within 15 days as stated in the guidelines of the FCRA.
Product: Credit card

On XX/XX/, I filed a case with PayPal Credit ( Dispute : XXXX ) due to the item ( glasses frames ) I received being fraudulent and a fake. When I went to contact the seller about the item, there was no option for this to be handled nor a way to communicate that the item was not real. The seller took well over a month to get the item to me and due to delays with XXXX XXXX I wasn't able to finally start using my glasses until late XXXX. I filed my claim with PayPal Credit and they stated I needed to get them additional information but I had no information to give them. I showed them screenshots that there was no option for me communicate with the seller and that the frames were showing degradation ( which should not be happening when worn for less than a week ). I don't know what more I could have supplied PayPal when they requested more information. In the end, PayPal denied my claim stating : " We have reviewed this transaction ( s ) and are denying your case ( s ). The decision was made because we did not receive a response from you with supporting details for the case. '' I gave all the details in the initial complaint to them and had nothing additional to offer.
Product: Debt collection

XXXX  account was paid, settled in full and closed XX/XX/2019. 

This is my second request. It was showing late payments also after I had paid it off and the company closed it. It is now back on my credit report showing as a charge-off now. Which is negatively affecting my credit rating. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is going to be a long one. XXXX XXXX assigned my loan to XXXX XXXX XXXX but i have been paying another company to pay off the loan or debt. diversified XXXX XXXX is the company. i found out they are a scam. i tried to get this resolved through transunion by having a dispute filed. XXXX says the account is still legit and owed etc. someone is lying to me. i want transunion to know that diversified XXXX XXXX stated the account is now closed as per their CFPB response to me on XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, XXXX HAVE CONSISTENTLY REPORTED INACCURATE NAMES AND ADDRESSES. HERE ARE THE FOLLOWING INACCURACIES THAT ARE STILL SHOWING ON MY REPORT : - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I received a call for a " complaint '' for a former sister-in-law ( 20 years ago ) which said " she now had " notice of the complaint '' and to call the lawyer handling the matter at ( XXXX ) XXXX. I called the number left, gave the complaint number and said that I was not the person they were trying to reach, that there was no notice and asked why they were calling me? The receptionist could not answer but said she would remove my number. I asked to talk to a supervisor, and when the supervisor got on the phone, I asked why they had called my number. He denied that anyone called me under his employment, he claimed that he could not control " third parties '' from calling me. He told me I was speaking too fast and should " let him finish ''. I repeatedly asked why they had called me and that the number left was for his company. Ultimately, as he got nasty, I asked if that was the way he did business/talked to people and he indicated it was the way he talked to " women like me ''. I asked what that meant and he said I was not " acting like a lady ''. I said I didn't know that there were specific rules for women, and I would be filing a complaint. He told me to ask my former sister-in-law why they were calling me, " how about that ''. I never got an answer as to why I was being called. He asked if I was " done '' and I said no, that he was a misogyinist and I would be filing a complaint with the FTC. He asked if I wanted a recording, and unfortunately I said no, but he said that they would replaying the tape in his office and laughing at me all afternoon and to get off his line. He claimed his name was XXXX XXXX
Product: Student loan

I have talked to XXXX and XXXX, I submitted Forbearance paperwork all could be done over the phone and yet this company insistss on inundating you with mail, emails but never a solution over the phone for some reason like every other federal student loan. 

Then they blatantly XXXX  on my credit report claiming can not find me? When they just spoke with me numerous times on the phone and yet as a citizen of the United States XXXX and all credit companies can put what they want on your credit report and you have no recourse whatsoever. 

You are basically at the mercy, and held XXXX  by Credit Bureaus. 

well I'm sorry but that is going to change. 

Once the president of the United States gets wind of what a AES is doing, and the credit bureaus, they'll have to answer to him! 

I will make him very aware of what AES has been doing and how many times they have called me and how many times I have requested the same thing over and over again with XXXX  income for the past 3 years while I was a XXXX to my husband who is a XXXX XXXX recipient an XXXX  recipient. 

What's worse, is the credit bureaus just take the word of these companies in ruin people 's lives well guess what we've got president that actually is going to do something for the little guy so I have a really good feeling about this.
Product: Credit reporting or other personal consumer reports

Transunion reporting on a paid off account by opportunity XXXX derogatory information account was paid and closed.
Product: Money transfer, virtual currency, or money service

Coinbase are unreponsive with my issue in accessing my account. I use XXXX Double autentication and their coinbasee app is the only app which fails recognition while all my other accounts are able to use double authentication. As a result, im not able to transact in my account where i currently have funds. Here 's all the unresolved case #. Coinbase keeps replying with the same canned advice responce which XXXX help or provide solutions : Case # XXXX Case # XXXX Case # XXXX Case # XXXX Case : # XXXX Case : # XXXX Case # XXXX Case # XXXX Case # XXXX Case # XXXX
Product: Mortgage

In XXXX of 2009, my husband and I filed Chapter XXXX Bankruptcy. Our mortgage company, HSBC, agreed to a loan modification and reaffirmation which lowered our mortgage payments from XXXX to XXXX. We signed these documents with our Bankruptcy Attorney ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they were sent to the Attorney for HSBC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) to be filed with the court. 

Four years later, we start getting notices from HSBC that we were behind on our mortgage payments and they threatened to foreclose on our house. Not one time have we ever missed a house payment. At that time, I had my attorney research the matter even though they were not obligated to do so, they contacted the Attorney for HSBC who claim to have never received the loan modification and reaffirmation agreement. I was terrified that our house would be foreclosed on again, so I agreed to sign another reaffirmation agreement. However, HSBC did not agree this time to modify our loan payments to a lower amount. I feel like in order to keep my house, I felt forced to sign the new agreement at the higher payment of XXXX. In addition to the higher payment HSBC tacked on approximately {$12000.00} in interest. 

No one seems to care that the paperwork was mishandled. No one seems to care that I owe {$12000.00} more than I should. No one will listen. I hope you will.
Product: Mortgage

A forced placed flood insurance policy was placed on my account in error. It has been confirmed by several representatives at Flagstar that it should not have been placed. This property is part of a regime and there has never been a lapse in coverage. 
This same policy has reared its head several times over the past XXXX years, In XXXX of 2023, I made my usual payment. I was not aware that they raised my payment by {$5.00} due to the forced placed insurance coverage. They are refusing to apply my regular payment because I did not pay the {$5.00}. They have also added a {$70.00} late fee. My account is now in a non pay status and is being reported to credit agencies. My last contact with them " just pay it and let us fix it ''. Well I have made a dozen phone calls to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my 3 credit reports and saw inquires from auto companies. I tried to call the credit bureaus to dispute the inquires on my reports. I was told they can not dispute inquires, but to contact the companies. I wrote letters to each company that was on my report that I didn't authorized. I mailed them certified by us mail on XX/XX/XXXX and put current licences and copy of ss card. I got letters back from Capital One Auto Finance for all the different car companies that is on my credit reports as inquires. It says my Social Security Number was confirmed with all the inquires, they did not send anything I signed just a letter saying they confirmed with ssn. The letter also says if I believe its fraud and to dispute it I need to mail in several items like police report, application reference number, signed letterhead from the dealership requesting inquiry. How am I suppose to produce this info if Ive never went into a dealership to apply for a car loan. Some of these inquires date back to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report as I am a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked to prevent misuse of my personal information. 
Accounts to Be Blocked and Deleted : 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 was unfortunately one of the ~143 million accounts affected by Equifax 's data leak that occurred in XX/XX/XXXXof 2017. I obtained this info by verifying via the Equifax site set up for this ( https : //www.equifaxsecurity2017.com ). Without knowing for certainty the extent of information leaked, I assume that my SSN, DL, DOB, address, credit card info and more were leaked and obtained by third-parties for fraudulent use.
The manner in which Equifax has handled the situation - especially the creation of a non-arbitration clause to a meager 1-year identity theft service they administer, is shameful and nefarious.