23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Thank you for helping with this CFPB. 

Ive attached a false move out statement that has been effecting my credit score. 

The collection agency claim that I own late fees and accumulated a monthly rental charge for a apartment unit i was no longer occupying. 

In order for this move out to happened I had to follow the leasing terms contractually and report directly to the property managers in the required 60 days to indicate I was no longer going to be living in the rental unit, hence a move-out statement and not a eviction notice within the 60 day notification. 

The property confirmed, I moved out on the confirmed date with my moving van receipt attached and security footage of this day can be retrieved for evidence. 

1 year, 7 months later I was being held accountable for a error the property made in the amount of {$4400.00} Please review promptly, I would like this to be closed and resolved case. 

Many Thanks
Product: Checking or savings account

My prepaid card information was stolen, the person called Bank of America and change the address on my account and has themselves shipped a new card. Bank of America mailed them a new card and did not notify me of the change of address. I never reported my card lost or stolen and they cancelled the card I had in my possession when they mailed the new one. Once the person received the card they attempted to activate it online and it was denied, they then called Bank of America who activated it for them over the phone without requiring proof of identification. The person immediately spent the whole balance of the card. I attempted to use the card in my possession later and it was declined, I called Bank of America and they said my account was frozen due to being flagged for fraudulent activity. I filed a claim for reimbursement but was denied because too much time had passed. I was never notified from the bank that there was an address change, new card mailed or suspected fraud so I did not know to file a claim earlier. I have requested additional claims and have been denied each time.
Product: Debt collection

XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX FL XXXX has been sending me collection notices in the amount of {$6300.00} {$4000.00} and {$3200.00}. The collection has been placed as past due balances. I do not know this company. I have never did business with this company l. This company does not have any legal binding contractual agreement with my name on it. I want this alleged debt Given back to the original creditor or removed immediately.
Product: Student loan

XXXX waived my application into Full Class for XXXX v XXXX XX/XX/XXXX. 
I have checked in via chat on numerous occasions to check the status of my discharge. MOHELA representatives kept saying they didn't have any information or that XXXX did not send information yet. Meanwhile XXXX says they did send the information. 
On XX/XX/XXXX a new message appeared on my online account saying there is a " discharge application pending. '' Today XX/XX/XXXX I messaged with XXXX who's says " we filed discharge claim with the guarantor on XX/XX/XXXX please allow 90-120 business days to process. '' Why in this age of technology would it take over 3 months to process when others who went to the same school and did the same application and have the same servicer in this situation have already been discharged? ( Not to mention that other servicers are moving at a much faster pace for these discharges... ) Why did it take them 3 months just to get the information to process it in the first place?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Miscellaneous Inquiry Date : XX/XX/2022 XXXX XXXX Miscellaneous Inquiry Date : XX/XX/2022 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for several Capital One credit cards and when I call they say they have no applications from me which is an absolute lie. 

My credit report shows that they checked my credit several times.
Product: Credit reporting or other personal consumer reports

XXXX account XXXX. The dates open, the last report, and also the dates last active are inaccurate. This account is not being report XXXX so inaccurate .According the Law 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

check smart is corporate office for Easy money in XXXX tn. At first the local Easy Money on XXXX XXXX in XXXX kept calling me XXXX times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well.
Product: Credit card or prepaid card

someone opened XXXX different credit cards in my name. I've talked to the creditors but was told to file a fraud claim to receive a report to provide to them.
Product: Credit reporting or other personal consumer reports

On XX/XX/, 2024 I noticed new inqurires has been added to my credit report that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters and made numerus phone calls to XXXX in attempt to remove inaccurate inquires off my credit report. In accordance with the Fair Credit Reporting Act the company have violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XX/XX/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: Checking or savings account

I am writing to file a formal complaint regarding the unfair and inaccurate reporting on my XXXX and XXXX XXXX accounts, which is preventing me from opening any new bank accounts. When I was XXXX XXXX XXXX, my bank account was hacked, resulting in a fraudulent negative balance of approximately {$20000.00}. Despite my repeated attempts to resolve this issue with the bank, XXXX, and XXXX XXXX, my accounts continue to be flagged, leaving me unable to manage my finances as a young mother. This situation is not only unjust but also severely limits my ability to provide for my family. 
Date of Incident The hacking incident occurred when I was XXXX XXXX XXXX, resulting in a significant unauthorized negative balance in my bank account. 
Account Hacked My account was compromised by unknown parties, leading to a fraudulent negative balance of {$20000.00}. I did not make these transactions, and they occurred without my knowledge or consent. 
Since discovering the fraud, I have taken the following actions : Disputed with the Bank : I reported the unauthorized activity to the bank immediately. However, my disputes have not been resolved, and they continue to hold me liable for the balance. 
Disputed with XXXX and XXXX XXXX : I filed formal disputes with both agencies, explaining the fraudulent nature of the charges and requesting that the negative reports be removed from my file. 
Supporting Evidence Provided : I have provided all necessary documentation to support my case, including proof that I was a victim of fraud. 
I am being held accountable for a debt that I did not create. This has left me in a position where I am unable to conduct basic banking activities, which are essential for daily life, especially as a young mother.
Product: Credit reporting

Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, disputed errors on my credit reports from XXXX, XXXX, and TransUnion. Despite providing details and an affidavit ( attached ), they failed to act. 

The credit bureaus ' inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove ALL inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XXXX Amount : {$0.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX, I placed an online order with Nordstrom Incorporated. The transaction was charged to my Nordstrom account. Being a consumer of Nordstrom for over 20 years my expectations were that Nordstrom would forward the account bill to the correct address of record. However, I discovered via written notice ( XX/XX/XXXX ) from my personal Credit alert company that Nordstrom reported this account as 30 days delinquent. I did not receive a bill at the correct address from the Nordstrom. Upon receiving the alert I immediately paid the bill ( {$33.00} ) in full through Nordstrom 's automated phone pay system. My payment history during these years has been satisfactory. I believe it is unreasonable and unfair to have reported this negative information. Particularly in view of Nordstrom 's failure to forward the bill to the correct address and then subsequently punish the consumer by reporting the negative information ( delinquency ) on the credit file. I attempted to resolve this matter directly with Nordstrom on XX/XX/XXXX. Their position was one of refusal to remove remark unless there was evidence from the United States Post Office of the alleged original bill being returned to Nordstrom Inc. On the question of what address did Nordstrom originally send the bill to their staff stated they had no record.
Product: Credit reporting or other personal consumer reports

need to remove invalid information from my report. I opened a dispute and they said it was verified and vaild. It is not I have never had an account with XXXX XXXX  that this debt collector says I did. The collection from XXXX XXXX needs to be removed from my report.
Product: Money transfer, virtual currency, or money service

In XXXX someone hacked my paypal account and changed the email address and took over the account. I did not know this. Starting in XXXX, someone started using the account to take money from my bank account. In XX/XX/XXXX I noticed and flagged all of the transactions on the account as fraudulent to XXXX and Paypal. XXXX was only able to give me the first 60 days of transactions back, and said to go through paypal for the rest. Paypal is consistently denying my claim that this was not me with no ability to prove it was me, while I have proof it was not me. They told me the exact date fraudulent emails, phone numbers, addresses, and even a social security number was added, all of which were not me. But still won't give me my money back. Someone also applied for paypal credit in my name, but with the incorrect social security number so it was denied, and paypal is ignoring that fact. Dates and amounts of all 40 fradulent transactions are in the document below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit report from Transunion, XXXX, & XXXX that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.
Product: Mortgage

Bank of America is not trying to help me get the paperwork done so that I can get the fha loan modification in my name only, they expect me to get a modification with the co Barrower.! no Disclosure statement, they have had the Special Waranity Deed from my divorce attorney sence 2012. They also had the Divorce Decree, letter from the court, ,letter from the co- Barrower, Chapter XXXX Discharge papers, proof of The Barrowers Protection Plan insurance from BOA when I got the mortgage loan, and the personal protection order /restraining order against the co Barrower.
Product: Credit reporting or other personal consumer reports

Navy federal credit union Date : XXXX XXXX No I did not try to call to bank to see if they could resolve the manner.
Product: Bank account or service

Union Bank sent me a new " chip & pin '' debit card about 2 1/2 weeks ago. I did not ask for this card ; they just sent it to me. I activated the new card as soon as I received it. However, I have been having one problem after another using the new card. I read through the literature that Union Bank sent along with the new card, to see if there were any tips on how to resolve any problems with the new card. There were not any tips given ... just legalese. 
XXXX XXXX said Union Bank had declined my automatic payment on XX/XX/2016, even though there was plenty of money in my account. XXXX XXXX then canceled my car insurance and renter 's insurance. XXXX XXXX XXXX would not accept the new card either. I should add that the debit card number is the same on both the new card and the old card. The expiration date, however, is different on the new card. The CRV number is also different. Nowhere in the Union Bank " chip & pin '' literature did it say for customers to contact merchants/automatic payment companies with a new expiration date. 
Then, yesterday, at XXXX in XXXX, CA, my new debit card was denied for a purchase of XXXX. My card was scanned through their card reader at least 7 times. The card reader had chip technology, so the clerks tried to scan the card both ways. In addition, XXXX insisted that I was entering " the incorrect pin number. '' I actually entered the correct pin number 4 or 5 times into their card reader. There was a long line of people behind me, and it was humiliating to be turned down for a XXXX purchase. The XXXX manager said, " we 're sorry, but we can not authenticate this card. '' I ended up having to write a physical check, which, of course, just held up the line even longer. 
As soon as I got home, I double-checked the balance in my bank account, which was fine. I also double-checked my pin number ... I had indeed been using the correct pin at XXXX. 
The XXXX manager told me to call Union Bank this morning ... that the bank would be able to see in their system why my debit card had been declined on XX/XX/2016 so many times. I called the XXXX XXXX, CA branch of Union Bank this morning. The gentleman who answered the phone, XXXX, said there had indeed " been a few problems with the new chip & pin cards. '' He gave me a national XXXX Union Bank number to call. However, when I was finally able to reach a real, live national Union Bank employee at XXXX XXXX. PST XX/XX/2016, and explain what had been happening with my new debit card, she just transferred me back to the bank 's automated phone system.
Product: Checking or savings account

Open both Chase Total Checking and Chase Savings accounts on XX/XX/2022 on terms of {$600.00} marketing scheme that CHASE BANK HAD ON-GOING, I MET ALL REQUIREMENTS FROM OPENING AND THROUGH 90DAYS OR 3MONTHS, BUT NEVER RECIEVED THE {$600.00} CHASE BNK OWES ME, CHASE SAVINGS ( ... XXXX AND TOTAL CHECKING ( ... XXXX.
Product: Debt collection

Almost daily I receive phone calls from a XXXX area code from a company called Diversified Consultants. They claim that I owe XXXX XXXX XXXX {$130.00} from more than a year ago. I have never received anything in the mail or email from XXXX XXXX XXXX concerning a debt. They want me to verify personal information without giving me any information of what the issue is or providing any official documentation.
Product: Mortgage

I having been experiencing financial hardship due to loss of employment since XXXX which caused me to fall behind on my mortgage payments. I contacted XXXX, mortgage service provider, back in XX/XX/XXXX and made a payment from XX/XX/XXXX through XX/XX/XXXX. I still had an owed outstanding payments for XXXX-XXXX  XXXX  in order to bring the loan current. I contacted them in XXXX to make another partial payment for XXXX-XXXX  it they wouldnt accept my payment they wanted the entire amount. I found employment in XX/XX/XXXX but still didnt recoup enough catch up earnings to pay the current missed payments. My home is in active foreclosure. I have been contacting XXXX to find out about the balance and affordable repayment options. Each time I contacted XXXX to find out the current amount owed the figures continued to change with each representative that I spoke with. The last communication I had with XXXX was on XX/XX/XXXX prior to their relinquishing my mortgage to New Rez aka Shellpoint Mortgage effective XX/XX/XXXX because they were going bankrupt, the amount reported to me was {$16000.00} not including the reinstatement fees. I was advised by XXXX to contact the attorney XXXX, XXXX to find out the reinstatement fees for attorney costs. I contacted the attorneys office on XX/XX/XXXX and spoke to XXXX and sent them an email as they instructed in order to obtain the quote for reinstatement fees. I had not received any response. On XX/XX/XXXX, I decided to contact Shellpoint Mortgage. After being bounced around, I was advised by the representative tha my monthly mortgage increased from {$1700.00} to {$2300.00} and I have to pay {$25000.00}, not the {$16000.00} that XXXX told me I owed. This figure of {$25000.00} still did not include the reinstatement fees from the attorneys office. I told them I could pay the {$16000.00} but I did not have the {$25000.00}. They told me to contact my point of contact person XXXX XXXX. I dont know where the extra fees came from and what changed in 2 weeks with my original communication with XXXX. I dont know what am paying for but Im stressed out & I feel like Im being ripped off by these companies. Please contact me at ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries are really damaging my credit report, not to mention that I was unaware of these being reported in my account. These companies did not inform me that they will be accessing my credit report - these are unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 



In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and companies listed have violated my rights 15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPAA violation breach ; there are medical collections on my credit report.