23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX All made Hard Inquires on XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX shows that I took out XXXX  loans from MOHELA instead of XXXX, and effectively doubling the amount I owe and ruining my credit score. I assume this is reported twice because of the move to a new online platform. Be that as it may, this has severely affected my credit score through no fault of my own. 

I have yet to hear a response from MOHELA.
Product: Debt collection

SYNCB/Amazon is reporting an account on my credit as derogatory that is not mine. I have never ordered anything from or had an account with Amazon. I have reported the error through the credit reporting agency and all XXXX of the major credit bureaus are still insisting that this is my account. I have never received any statements or phone solicitations regarding this account. I was unaware of it 's existence until it appeared on my credit report. The name on the account is a name that I had previous to the claimed opening date of the account. After repeated attempts to contact Amazon, I was finally able to actually talk to someone and they referred me to their attorney. I called the attorney 's office and was requested to submit a signed statement to them in writing that I would not dispute the account in question before they would even talk to me about the account. I 'm not about to sign such a statement since this account does not belong to me. Even though I was finally able to talk to a representative at Amazon, I have not been able to find out any further information regarding this account. Since this account is being reported on my credit as a charged off account, it is negatively affecting my credit score and my ability to obtain credit. Thank you.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable, and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant insufficient and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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

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 or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

LVNV FUNDING LLC has been falsely reporting debts on my credit report with no validity of the origins and balances of original creditor of said debts allegedly owed by me. Upon request of verification of debts around XX/XX/XXXX and XX/XX/XXXX through credit reporting agencies, XXXX just told that the debts are mine with no proof or source of origin. This is predatory debt collection practices and not fair to me. 

LVNV FUNDING LLC Last reported XX/XX/XXXX {$830.00} Open balance SNAPSHOT LVNV FUNDING LLC Original creditor Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Placed for collection Placed for collection LVNV FUNDING LLC LVNV FUNDING LLC Last reported XX/XX/XXXX {$1000.00} Open balance SNAPSHOT LVNV FUNDING LLC Original creditor Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Placed for collection Placed for collection LVNV FUNDING LLC LVNV FUNDING LLC Last reported XX/XX/XXXX {$1300.00} Open balance SNAPSHOT LVNV FUNDING LLC Original creditor Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Placed for collection Placed for collection LVNV FUNDING LLC
Product: Checking or savings account

VyStar Credit union mobile & online banking has been down for over a week with no transparency to what is happening. Their " XXXX XXXX '' phone system & ATM do not differentiate between personal, joint, or business accounts
Product: Credit card

1 ) 6 fraudulent transactions occurred on XX/XX/year> on my HSBC XXXX credit card. 
2 ) No merchants/vendors were involved in the six fraudulent transactions 3 ) The transactions were processed by a payment gateway system for credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) HSBC XXXX pretend I am responsible since the transactions were processed through XXXX XXXX XXXX XXXX 
XXXX ) HSBC XXXX refuse to share evidence on how XXXX XXXX XXXX could have processed those transactions without my phone, without my credit card and without my biometrics. 
5 ) I followed all HSBC prevention processes by blocking the card and payments immediately using different HSBC secure channels such as phone banking, SMS, email, and the Internet. 
XXXX ) I declined the first transaction on XX/XX/XXXX at XXXXXXXX XXXX. Using HSBC XXXX  Fraud. prevention system. Why did HSBC authorize the subsequent ones?

7 ) How did HSBC approve three out of the six transactions above my credit limit? Neither merchants nor I can approve transactions above my credit limit, which further indicates that the transactions were forced and hacked using the payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) The XXXX fraudulent transactions totaling XXXX XXXX  were consecutive and out of my spending habits. Usually, HSBC blocks any unusual transactions, requiring me to call to unlock them. Yet, even after declining the first transaction, HSBC authorized five other transactions flagged by HSBC as fraudulent and even approved the ones above my credit limit.
Product: Debt collection

These 2 Collections MIDLAND FUNDINGS LLC they keep reporting They continue to report these 2 accounts that were reported by the original creditors as Charge off more than 7 years ago and have already met the status of limitation, they should be removed and every time I dispute with the bureaus ( XXXX and XXXX ) they say Verified but where is the evidence of the dates. please i need help i am frustrated and i can't use my credit to help my daughter for her college.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was financed through XXXX. It was totaled on XX/XX/XXXX. My insurance paid the claim on XX/XX/XXXX. Due to a denial in GAP insurance, there was a balance remaining after pay off. I was in contact with XXXX on several occasions to get the matter resolved. XXXX agreed to update my credit file if I paid 1/2 the remaining balance which I did on XX/XX/XXXX with a stipulation to remove the charge-off and remove the late payments ( see attached ). I wrote the terms on the back of the check which they accepted and cashed. The account is still showing late payments and as a charge-off on my credit reports.
Product: Debt collection

I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and XXXX of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are :
Product: Checking or savings account

I was victim fraud someone duplicate or stoled my bank info and made online gambling XXXX i email them and thrybtold me thy can't do nothing about XXXX only to go to my bank and do dispute i asl.thrm they have any information from me with any agreement or signing paper to take out money they say no I went my bak CAPITAL ONE I dispute i even send them police report the bank did reversal transaction I'm now overdraft {$920.00} and my account is frozen I'm. VERYYYYYYYY FRUSTRATED
Product: Debt collection

Plaza services llc in XXXX ga was apparently hired to collect a person outstanding loan. They called my husband and told him I owed XXXX and I needed to call them. He was not On the account and this is against the law
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Hey I was inquiring about an issue that I have with TD Bank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank accounts.
Product: Money transfer, virtual currency, or money service

I am a client of Ally Bank, an online bank headquartered in XXXX, Utah. On Wednesday XX/XX/24, an outgoing wire of {$70000.00} was made from my savings account without my consent, permission, or knowledge. That day, I had received a call from a scammer impersonating a representative from the Ally Bank Fraud department. They said that my account had been compromised and asked for my one-time passcode for security purposes, to verify my identity, so that they could reverse the transfer. I gave it to them. They said the wire transfer would be reversed but that I'd be locked out of my account until XXXX  XX/XX/24. 

On XX/XX/24 I logged into my account online and the wire transfer had not been reversed, so I contacted Ally Bank 's fraud department. It was extremely hard to get through and I was on hold for a total of more than XXXX hours. They said they had never contacted me, that I had been the victim of a scam, and that they would try to recover the funds, but it would be " tricky. '' They will not guarantee that they can reimburse the funds but said I would be contacted within XXXX days about the issue. They created a new account for me but it took a week for me to be able to access the {$30000.00} in funds remaining in my old savings account ( the one that was compromised ). 

According to my online bank statement with Ally, the wire was made to XXXX XXXX : XXXX XXXX  : XXXX  XXXX XXXX XXXX. XXXX  : XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX I also have a call-back phone number for the scammer, " XXXX XXXX XXXX XXXX XXXX. 

This money was for a down payment on a house I am planning to purchase. 

My complaint can be satisfactorily addressed with the return of the {$70000.00} taken by scammer from my account without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputed an item still on Experian Credit Report after the Court dismissed the debt and case. Although I provided proof of this Court Dismissal, Experian has refused to remove and correct my credit report, causing my credit score to be much lower than it should be.
Product: Mortgage

My name is XXXX XXXX with XXXX. I have been hired by the sellers to help facilitate a short sale on their behalf. I have been working diligently with PHH Mortgage on getting them the docs they need to get this moving however for the last 3 months the file has been stagnant. Not even the negotiator from PHH can tell me what is going on. All I hear is it is with the investor. The sellers are upset, the buyers are losing hope and the agents are furious. 
It seems PHH Mortgage is keeping this loan for some reason and does not want it to have a short sale.
Product: Credit reporting or other personal consumer reports

their is a lot of inquires on my credit reports that don't belong to me XXXX, Equifax, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a contract with XXXX XXXX They have been furnish inaccurately once before. And was removed. 
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. 

Delete this accounts immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Money transfer, virtual currency, or money service

Zelle decides that its system has made me ineligible in the standalone app without giving any further explanation. Furthermore, Zelle has no provisions in their terms of service that I previously agreed to that allows them to render me ineligible to use their services especially since Zelle was unable to furnish any reason for the ineligibility claim other than that their system had determined that I was ineligible, and that there " was nothing that they could do about it. '' I have given them multiple opportunities to allow me to provide additional identification, yet they have refused. If the CFPB is unable to assist me in finding a resolution to the issue I have just identified, then it may be necessary to settle this matter by exercising my right trial by jury, as I have not entered into an arbitration agreement with Early Warning Systems, Zelle, or any of its affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last 2 month, 2 negative accounts were put on my credit reports as delinquent. I immediately filed disputes with all 3 credit bureaus. XXXX and Experian removed both accounts from my credit reports as soon as I filed the disputes. Within minutes of filing the disputes. As of today the creditor has now fraudulently changed the opened dates and re added them back to my Experian credit report. 1 of the accounts was opened in XX/XX/XXXX, and the other opened in XX/XX/XXXX. The first reported delinquency for both accounts was on XX/XX/XXXX. They have now changed the first reported delinquency to XX/XX/XXXX. This is fraudulent and inaccurate. These accounts are over 20 years old, and the first reported delinquencies happened over 18 years ago. they also fraudulently removed the original loans starting dates from my credit report, to make it look as though the loans were more recent than they are. Ive tried to get Experian to re remove the accounts as they did 2 months ago, and theyre telling me that they dont have the ability to remove the accounts, even though they removed the accounts 2 months ago for being too old. They have also told me that they cant look at the results of previous dispute that I filed with them 2 months ago that confirms the original reason the accounts were removed from my credit report even though I can see the dispute results when I log into my account on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : [ XXXX XXXX ], Consumer Social Security Number : [ XXXX ], Consumer Date of Birth : [ XX/XX/year> ] Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. 

I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are XXXX to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA XXXX XXXX, which mandates accuracy and completeness in consumer reports. 

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit card or prepaid card

Bank of America is blocking all transactions involving Cyptocurrency. My card and agreement says it can be used in all places where XXXX is accepted. Bank of America should NOT be allowed to block my purchased because it doesn't like what I am purchasing.
Product: Debt collection

I had previously had an item from XXXX  a payday loan provider removed from my XXXX  XXXX  and XXXX  credit reports for identity theft. I received an alert today that a debt collector, NCA had once again placed this item on credit report. NCA has never contacted me or sent me a notice of validation and an opportunity to dispute this debt. It is a violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to engage in this misconduct and place the item again on my credit report after it was removed fir identity theft reasons. Please find my notice of dispute, identity theft report updated to reflect NCA and additional documentation. It is also worth noting the CFPB sued NCA recently for this type of misconduct. I have attached the lawsuit to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : THE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX ..The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company
Product: Credit reporting or other personal consumer reports

I currently have an account on my credit report from XXXX XXXX XXXX XXXX, which was sold to XXXX, a company affiliated with Jacob 's Law Group. However, Jacob 's Law Group is unable to provide any information regarding the delinquent account, citing an incorrect Social Security Number ( SSN ). I have reached out to Jacob 's Law Group via email to request clarification and to have the information removed, but I have not received a response. 

XXXX XXXX XXXX has also not removed the account, stating that the debt was sold to XXXX. I filed a dispute with XXXX, but they have confirmed that the debt is being reported as accurate, even though no one is able to verify my SSN. 

I am formally requesting an investigation into the actions of XXXX XXXX XXXX XXXX and Jacob 's Law Group, with the goal of having this account and the associated debt removed from my credit report due to the discrepancies regarding my SSN.