23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is in response to the compliant I put in for XXXX XXXX XXXX XXXX and they are requesting the same info that I have submitted, they have failed to report accurate information on my credit report. see attached...
Product: Credit reporting, credit repair services, or other personal consumer reports

I scheduled direct mortgage payments from my checking account to XXXX XXXX XXXX. They have all of my checking account information, and can access funds directly. XXXX XXXX XXXX  neglected to inform me of changes to my mortgage, and didn't process my mortgage payments due to these changes. 
I was eventually made aware of the problem by a third party credit monitoring service, XXXX, who texted me that my credit score had dropped by 156 points for a delinquent account with XXXX XXXX XXXX. Again, XXXX XXXX NEVER indicated that there was a problem with my account. They claim that they sent a notice via USPS, but I never received it. Instead of reaching out to me via email, text or phone, they allowed my account to be delinquent for 3 MONTHS, and instead reported me to the credit bureaus, without ever contacting me and giving me the common courtesy of letting me know what was going on. As soon as I found out about the issue, I called XXXX and initiated a transfer of funds to pay all outstanding balances. They are currently paid in full. I asked them to fix the problem with the credit reporting and they refused. 

I want XXXX XXXX to retract their complaints against me with the credit bureaus. I had a credit score over 800, which required serious commitment and diligence on my part. There was more than  sufficient funds in my checking account to cover the payments due and I am available all day to respond to texts and phone calls if there are any issues. 
XXXX XXXX justified destroying my credit score based their lack of communication with me regarding the status of my account. It's inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/ ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 13 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a 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 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  .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: Debt collection

I C Systems inc is attempting to collect a debt that was fraudulently opened a year ago. The account in question was closed and removed from all 3 credit reporting agency 's. The creditor was made aware of the fraud and was provided with a FTC affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Equifax, I have numerous accounts and addresses, social security numbers and accounts that are not mine nor associated with me. I have filed several disputes and spoke to their Disputes Department and then it was eventually escalated to the Office of Consumer Affairs. Needless to say nothing was resolved in fact on XX/XX/XXXX more accounts were added to my credit report which negatively affected my credit report. The accounts added were a judgment from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX.This account I spoke to XXXX which stated they have no information for me having an account. However, they stated I needed to contact the credit bureau to have it corrected but the credit bureau stated I needed to contact the creditor ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX. This particular account was deleted from Equifax only to re-appear 10 days later and the explanation was the creditor does not verify any documentation to the credit bureau. The creditor validates the debt themselves and electronically communicates it 's been validated with the credit bureau 's ), XXXX XXXX XXXX XXXX ( Assigned XX/XX/XXXX and Reported XX/XX/XXXX ), XXXX XXXX XXXX ( Opened XX/XX/XXXX and Reported XX/XX/XXXX ). This account was also deleted and re-appeared 10 days later with the same explanation as the previous account ). There are several addresses that are not mine which I attached supporting documentation of my current address. Equifax asked me to identify my identity by filling out XXXX Form which I provided to them on XX/XX/XXXX. I spoke to Cal with Equifax in The Office of Consumer Affairs on XX/XX/XXXX and he was extremely rude and he stated that they received the documentation on XX/XX/XXXX. The previous representative stated that they received it on XX/XX/XXXX but no one has reviewed it yet and that was on XX/XX/XXXX. This issue with Equifax has hampered my home buying process due to inaccurate and frivolous information. I am at risk of losing my earnest money and my contract on the home. I have been dealing with issues with Equifax for almost a year. I need this resolved within the next 10 days or I will seek legal consultation.
Product: Debt collection

I received a letter stating to resolve a debt that is not mine or legal action would be taken against me. I've never seen the debt and I've never been late with the company in question. I received the letter from Radius Global Solutions LLC.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I have been with COMENITY BANK/NY & CO for a long time, and I have always appreciated the good value and service I have received from COMENITY BANK/NY & CO . Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.
Product: Debt collection

So on XXXX XXXX of XXXX XXXX the apartment complex I was staying at sent what they said I owed to them to a collection agency. At the time being young and not knowing how this would affect my credit score I wasn't even notified that I could dispute these unnecessary charges against me so I did nothing because I didn't have the funds to pay for it. They added an extra XXXX XXXX dollars on top of my rent without even speaking to me. This was based off of a complaint from a neighbor who lived upstairs from me. The neighbor reported to the office that I had a pet that I did not have. That alone still makes the balance at a little over {$1200.00}. They never explained what the extra {$620.00} added on top of my rent was for. The only thing I could think of was that I left some things behind. They had no right to charge me that much. Plus they still had my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/XXXXXXXX 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

A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been " verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a " contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it ) or any other legal proof that I ever authorized or had any part of it. 

This is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX XXXX immediately, as you AND this illegitimate company are in violation of federal law.
Product: Student loan

Student loans are too high for monthly payments. I can not get a good paying job with this degree. It is not recognized. If I want to get a job using this degree, I have to take additional classes or start all over again with classes. XXXX requires XXXX year experience and they do not recognized or take in consideration the degree
Product: Money transfers

On XXXX XXXX, 2015 my Paypal account was hacked and fraudulent charges totaling {$550.00} were processed and pulled from my bank account. I immediately called PayPal and followed their procedure to reset my password. I was told by the agent that the funds would be returned within 4 days. However just 4 days ( today ) later my account was hacked again and this time {$660.00} dollars was transferred to a fraudulent email address. 

I immediately called PayPal again but this time I was told I needed to reset my password again but this time via my phone. I was instructed to open the email sent by PayPal and to click on the link to change my password. This did n't work as the link in the email failed to open to the correct page on PayPal 's website. Then she asked me to do the same with my tablet, again the link did not work correctly as it only took me ot the PayPal home page and not the page I needed to reset my account. 

Then I asked how to secure the account and she said it needed to be " restricted '' but when in restricted mode, I would be unable to transfer any returned funds back to bank account. In addition, she told me it would take 5-7 business days to get my refund even though the first agent told me it would take 4 days. 

I then asked to speak to a supervisor and was told that none were available nor would any be available any time soon. I gave up and hung and called back and again, got a different agent and again asked for a supervisor. This time, a supervisor came on the line right away. 

But now the supervisor claimed the transactions originated from my PC, which of course they did not. The transactions on XX/XX/XXXX occurred in the middle of the night when I, my wife and little boys were sleeping. The transaction today occurred when my wife was at the vets office with our XXXX sons and I was 60 minutes away at work. 

Next he told me to just wait 10 days ( up from the original 4 ). Otherwise he would simply just " settle the case now and rule against me ''. So I asked " So you 're telling em to shut up and wait or you 'll rule against me? '' and he responded with " I suggest you wait the 10 days if you want to get your money back. ''
Product: Credit card or prepaid card

Fraudulent phishing scam. Pretending to be Wells Fargo Bank to access personal info. Please hurry. They got some info before I realized something wasnt right. FRM : WELLS-FARG0 Bank.Debit LOCKED SUBJ : Contact ( XXXX ) XXXX XXXX : XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I attempted to send {$500.00} from my money network account to my XXXX checking account. The transaction was denied. I was then told to wait XXXX full business days for the money to return to my money network account. I contacted XXXX to just double check it wasnt something on their end but they confirmed they never received the money. I then waited XXXX full weeks before submitting a claim to money network for the missing money and for them to investigate. They then tell me my claim is denied due to no error on their end but with XXXX documentation of how they came to this resolution.
Product: Credit reporting or other personal consumer reports

Between the years XXXX and XXXX, I was the victim of identity theft from XXXX  XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. In addition, mortgages, cell phone and utility bills as well as defaulted credit cards were also illegally obtained. This required me to hire an attorney in order to send multiple letters to all the credit agencies to try and give me the information necessary to fix my credit. This was done and everything was fine for a few years. However, in XXXX I was the victim of multiple degrees of identity theft where someone defaulted on a credit card that was valued at {$35000.00} in the State of Delaware. Multiple utility and electrical accounts from Illinois, Ohio and other regions of the United States were defaulted as well. As a result,! had to hire another attorney named XXXX XXXX XXXX to handle the case. We prepared our case and had to go before the Bankruptcy Judgement Court in XXXX, NJ where I pled XXXX  XXXX bankruptcy, only owing about $ XXXX {$7000.00} in actual personal debt. This was done because! had to shut my credit down so that people using my credit could no longer apply for it. The next stage was filing with the Social Security office in XXXX and pre-supposition that we were going to court to plead the case for the identity theft and have the bankruptcy removed. Unfortunately, by the time we got to the court system it was not until about XXXX. Due to all the backlog at Social Security I was not allowed to stand trial for my XXXX  XXXX Bankruptcy and subsequent identity theft. As a result, I've had to bear the brunt of a financial hardship and predatory loans and high interest credit cards because the XXXX  XXXX Bankruptcy is still appearing on my credit over 7 years after coming out of receivership. In spite of two different Senators Offices being involved and months of trying to get answers from Social Security, 1 would ask why I have not had my Social Security Number remedied and the bankruptcy not removed at this point. I'm free to discuss this whenever necessary. You may reach me by email at XXXX or by cell phone at ( XXXX ) XXXX.
Product: Debt collection

I dont know who this company is. 
I never signed a contract with this company. 
I never done business with this company.
Product: Credit card or prepaid card

This is a general ongoing, repetitive problem with the Bank of America and California XXXX benefit payments. My unemployment benefits began in late XXXX and are deposited into a BoA account for debit card use. EVERY deposit was " transferred '' out almost immediately by " Bank of America '' as transaction name on ledger. I have called them XXXX times, and got XXXX transfers re-deposited. Those calls lasted XXXX hours, I had each time to speak with XXXX reps XXXX of whom for verification of my ID -- this after first rep would ask me security questions like " who is your favorite XXXX? '' as though I had submitted an answer to that question ( I had answered security questions but not that one ). Eventually my debit card was cancelled on those calls and new one sent by mail XXXX days later. So far XXXX different debit cards in past XXXX weeks! 

The ID verification process also had me going to BoA branches. 3 times with IDs -- passport, DL and SS cards. Each time there were others at the bank with same problems. Each trip to bank takes XXXX hours round trip and XXXX minute waits at banks. 

The first few " transfers '' were redeposited in a few days but the last XXXX on XXXX for {$810.00} has not been. This emptied the account ( as did the others ). I called back on the XXXX and was told their investigation would take between XXXX days! So I have no unemployment benefits min meantime. 

I put a complaint in to XXXX also but by email and a response is pending. This whole thing does not feel like fraud as much as BoA incompetence and consumer/citizen abuse! 

Note I do not have access to unemployment benefits for almost XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, who was given all of mine and every other American 's personal information, had improper security measures in place which allowed the release of over 100,000,000 people 's personal information. Information that can ruin people 's lives. It 's not even an opt-in service, but half of the entire country got screwed over anyway
Product: Mortgage

In XXXX XXXX we closed on a condo in XXXX XXXX. The mortgage company at the time of closing was XXXX XXXX. The mortgage was immediately transferred to XXXX XXXX. After a few more years, the mortgage was transferred to XXXX XXXX and payments were made to PHH ( a mortgage payment clearing house ). 

In XX/XX/XXXX, my partner and I were having financial difficulty because of a faltering business we both owned. We fell behind our on mortgage payment in XXXX XXXX. In XXXX XXXX, we sent a payment for one month. The check was returned to us because, as the representative said, the payment did not bring the account up-to-date. The next month, we tried to make two payments. The checks for both payments were returned because the payments did not bring the account up-to-date. 

The mortgage was transferred to the Loss Mitigation Department. We attempted to contact the department several times over the course of two months. Each time we were told the person in charge of our account would return our calls. That person never called us. 

Finally, we spoke with the account manager who sent us a Financial Package to work on possible solutions. We immediately sent in the necessary paperwork regarding such solutions. Later, we called the account manager several times only to be told the account manager was " awaiting a decision from shareholders. " Obviously, our mortgage was falling further and further behind. The decision was finally handed down. The account manager told us we did not qualify for any repayment terms and we needed to pay tens of thousands of dollars ( payments, fees, interest, and penalties ) in order to keep the foreclosure process from moving forward. 

The property was sold at auction in XXXX XXXX. We were evicted from our condo in XXXX XXXX. The paperwork filed for the foreclosure, sale at auction, and eviction were prepared by the Law Offices of XXXX XXXX XXXX, XXXX ( We later learned, via different and well-respected news outlets, our foreclosure documents had been robo-signed by employees -- but not attorneys -- in the Law Offices of XXXX XXXX. XXXX. ) Consequently, XXXX XXXX XXXX was later disbarred from the Florida Bar Association for his actions in handling thousands of foreclosures in the State of Florida. 

See links to news articles. XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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