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

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

Ive been trying to remove this account from my credit after i found out that my XXXX XXXX had used my information to open an account without my knowledge. The creditor nor the bureaus have been helpfull
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this inaccurate personal information be deleted 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: Checking or savings account

Everytime I withdraw money from account or pay for something using my card I get a XXXX dollar fee that I have to pay along with my overdraft. And its getting overcharged with fees I have to pay back.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/year> under the account number XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I am being sued by company name XXXX XXXX XXXX and they are going to start garnishing my wages. I have contacted them multiple times advising this is not my debt and I was a victim of identity theft, however they have not done anything. I called them on XX/XX/XXXX trying to resolve this matter but nobody helped, then called on XX/XX/XXXX and I was told to call back on XX/XX/XXXX. During my conversation on XX/XX/XXXX lady told me that she can't help me and they are going to garnish my wages. I tried to explain her that this not my debt and I am a victim of identity theft but she didn't care to hear me out. I need to make sure someone from your agency contacts them and have them stop this process.
Product: Mortgage

My loan was originated under XXXX XXXX who I believe worked for both Mortgage Electronic Registration Systems , Inc. ( MERS_ as Mortgagee , MERS is the nominee for Lender and the mortgage  loan originators post office address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX and license number is XXXX. I was approved for a FHA loan with an adjustable rate mortgage. I used an attorney provided by XXXX XXXX, Guaranteed Rate or MERS, it was very unclear to me. The loan was originated under XXXX XXXX instead of XXXX XXXX XXXX in order for the investors or holders of the loan to avoid tax liability in the event they had to foreclose on the property. Additionally, I believe they are defrauding the US government by double dipping with loan write offs post foreclosure. In my case that sum was greater than 80K USD. Additionally, I was informed the loan was not tied to my SSN which is why I am still liable for the tax liens. If you read the XXXX XXXX XXXX agreement it seems very clear to me as a consumer they were responsible for the taxes. Please review all of the attached documents. I also submitted my complaint to the FBI, and have started to send the information out to private attorneys. I would think a FHA loan would have been tied to my SSN as the loan appeared on my credit report. I also notified XXXX XXXX who I had been making payments to that I needed help. I applied for a loan modification and was denied under the basis of the loan not being 12 months old. It's my understanding after briefly doing research the 12 month period is invalid and I should have been awarded a loan modification which would have prevented me from losing my home. I have been homeless since the foreclosure and have suffered emotional distress, damages, and have lost time which is of course the most valuable resource. I'd also like to point out I've never been married, and was hospitalized during the notices. I used an attorney provided by the loan originators and used my passport and license which state XXXX XXXX XXXX & XXXX XXXX XXXX. I followed what I was told by the attorney present who should have been looking out for my best interest as the consumer rather than the banks. I can prove they have done this on a broad scale. 

It's incredibly important to review the phone calls on XX/XX/2019 and XX/XX/2019 with XXXX XXXX an executive resolution specialist for  XXXX XXXX home mortgage and myself.
Product: Prepaid card

When I try to log into my PayPal account it prompts me to get a text message to a phone number that I dont know. My number is XXXX I am trying to update it through my account XXXX when I go to log in I cant cause I dont have access to the number on there I dont even remember having that number.
Product: Debt collection

Besides the repeated phone calls, they never identify themselves in that they're attempting to collect a debt. Instead, when they call me they start out by repeatedly asking if I'm who I purport to be for some unknown reason. This happened at XXXX XXXX on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint regarding the fraudulent information being reported on my file. I am a victim of Identity Theft and I have reported the Theft of my Identity to the FTC and attached a copy of FTC 's ID THEFT REPORT. It has been drawn out into the open that Transunion is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The account listed below is resulted from the Identity Theft and must be eliminated from my file : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

am very affected by the cessation of activities produced by the Pandemic that paralyzed the world economy and our country in particular. 
I have a XXXX XXXX and I am the XXXX, XXXX XXXX  and woman in charge of the entire family group. 
I have had this account for more than five years, I have never failed in my commitments. I have been honored to go through all the difficulties. 2020 is an unprecedented year. 
In honor of the truth, I have taken the GRACE period that was a BENEFIT, granted by the Financial companies, the tools were mobilized so that I could not sustain the country 's economy, my XXXX XXXX is standing, while this last period ended, We analyzed with the first line of customer service the possibility of extending one more month, they denied me at a higher level this last possibility, always in charge of XXXX XXXX, my family giving the face with full credit responsibility to all calls and calling to see how I could solve. 
I was waiting for this analysis while they were analyzing the possibility of extending this grace period. This did not happen They denied me the benefit and only that day the QUOTA expired and the 30 days passed, where they reported me to the CREDIT BUREAU or else I would have paid it IN TERM by making the maximum sacrifices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Equifax ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. The only thing they did was send me another consumer report with the same information as before. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My confirmation # is XXXX Note : This is my second complaint.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXX, 2023, I fell victim to multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX
Product: Debt collection

CMRE FINANCE ... ... ... ... When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
CMRE FINANCE I do not know what this is. I keep very close eye on my credit. This dropped my credit by 28 points and still don't know what its for.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Filed a complaint against XXXX XXXX with the state of NJ attorney general 's office, regarding an issue with phone installment plan ( see attached complaint ) XXXX XXXX responded to complaint and agreed to resolve ( See Attached letter ) XX/XX/XXXX XXXX reported a balance as delinquent on my Experian & XXXX credit reports . ( See attached letter ) XX/XX/XXXX filed a dispute with Experian, responded XX/XX/XXXX XXXX filed a dispute with XXXX, responded XX/XX/XXXX less than XXXX hours Clearly, you have willfully failed to investigate the disputed information as I have requested. In lieu of deleting the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. 
. 
However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of information contained in my consumer file as pel the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation
Product: Debt collection

XXXX of the single files attached ( cover letter to XXXX ) will explain more thouroughly. But, I was admitted into the emergency room at XXXX for tests from a previous car accident. Date of admittance was XX/XX/XXXX. They received my XXXX XXXX at the time of admittance. 

It appears that my auto insurance ( XXXX ) made their adjusted payment on XX/XX/XXXX. 

On XX/XX/XXXX, I received my FIRST bill from XXXX stating I owed them {$9900.00} ( XXXX  months after the XXXX  service ). I called them several times until I was connected with a " XXXX advocate. '' I was then sent a form to fill out and attach all my personal financial information ; tax statements, XXXX XXXX XXXXXXXX letter, etc. Soon thereafter, I submitted all the financial data they requested to consider the bill forgiven, and informed them that, " If they were to send me this bill in a timely manner, my previous XXXX would have covered it. '' Therefore, they werte negligent in their billing OR they received there initial XXXX payment and decided to wait beyond my settlement to bill me. Either way, ( XXXX ) months to bill a patient for the first time would be considered negligence on their part. 

XXXX never responded to my appeal and sent the bill to collections. I called XXXX for a reason that they never responded to my appeal ( it was sent in a timely manner ), and they said, " They could not discuss it. '' My lawyer informed me that this is normal practice for XXXX, they are poor in billing and patients normally receive their bills years later. This can't be ethical with the elderly who often times change insurance companies or go on XXXX. This is not just. 

The bill is with collections now, and I filed an appeal. Collector 's are : FROST-ARNETT
Product: Student loan

XXXX  XXXX of XXXX lied to me about the accreditation status. They told me that they would be a stepping stone to the school that I wanted to attend after my time their had be completed. I told the financial aid department what school that I wanted, and they assured me that the credits would transfer to that school. When it came time for me to inquire about transferring, that's when they let me know the truth about the schools that would accept their credits. Only two, which of course neither were the school that I wanted to attend. I dropped about for a few months out of frustration but didn't want to lose all the progress I made, so I felt like the only option I had to return to XXXX  XXXX obtain my degree as that was my ultimate goal. The school is now closed and the amount owed is completely astronomical for a now defunct school. I feel as if it was a for profit school to make someone rich quick and move on and leave the students in debt. I can no longer use the degree that I obtain out of pure pressure to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Transunion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).

( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went to obtain an autoloan and was informed that there was a judgement in my name. I pulled my credit to get debt collector information and when I contacted them they were aware the had to wrong person yet extended no relief with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX. XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was forwarded a letter sent to a resident and state I do not live in on the XXXX of XX/XX/2019. The letter was once again to the same court from my other threats from other creditors in XXXX XXXX, NJ in XXXX County. The letter does not indicate who this creditor or lender or who they are. They are threatening to garnish my wages for unidentified amount of the claim debt. I was never notified of any legal actions for the name listed on the letter, I have no outstanding loans or debts from this listed party. I did not know the court could approve such false allegations from the same court system. How am I legally being pursued for a debt I am not aware of in an amount not indicated on the documents you are sending to the wrong address and state.
Product: Checking or savings account

Had a Simple Bank checking account. Bank transitioned to BBVA USA on XXXX XX/XX/2021. Since then it has been a total disaster and very little help from BBVA. It took all day on the XXXX and part of the XXXX just to access the new BBVA account I have been frequently unable to access account via mobile app or via online banking website. The rare times I am able to login, have tried multiple times to transfer money out of account to XXXX but continue to get system errors or unable service errors when transfer submitted. Spent 2 hours on phone with customer service today ( XXXX XXXX ) and same situation with transfer. During the call both BBVA website and mobile app went offline. Customer service rep and then manager said I could go to a branch and do this. I live in XXXX TN and closest branch is in Alabama 82 miles away. Then they offered to mail me a check via standard US Postal Service, I said that is not acceptable to me based on current ineptitude with this transition and complete lack of faith in this bank. Based on the BBVA XXXX feed regarding this transition it seems that a multitude of Simple account owners are experiencing the same horrible experience of limited or no access to their account. 

BBVA will also not waive the transfer fee of {$3.00} per transaction. Have {$5500.00} in account and their daily limit to transfer is {$5000.00} so this is costing me {$6.00} to close the account and they said they would not waive fees.