23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account was used to fund fraudulent ACH transfers. I have no connection whatsoever to these transfers. The information used was information available on checks. Specifically only the routing number and my checking account number. I never authorized nor had anything to do with these transactions. Moreover the bank did not send me my statements in hard copy as requested. When the fraud was discovered the bank acted as if it was my fault. They were very difficult to speak with and would not even providw me a contact person or an email address to use. They were completely unreasonable and most specifically they would not tell me what security measures were in place protecting my funds. The transactions at issue were more than {$88000.00}. I suspect the bank did not employ the required security measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to show on my personal consumer report but it does not belong to me. I have added my police report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon Federal Credit Union was removed from my credit file about 3 years ago. At this present time the credit account is appearing on my file once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I started to apply for a credit card with capital one bank I got approved The next step was to deposit around {$49.00} to my account. 
Before completing the deposition, The wifi connection interrupted When the connection back, I tried to complete the money deposit to my account but the website push XXXX to start over the application process I did it again but I got rejected O thought there is an error in my information that I submit I tried again ( XXXX time ), I got a rejection When I checked my email I found I received XXXX emails The first XXXX, approved application The other XXXX, declined application I realized that this happened due to repeated application at the same time I followed the link in the email of approved application and I was successfully able to deposit the money and I received a new email that every thing is fine and in progress XXXX days later I received a conformation mail that my application is approved and my card will be issue soon Few days later I received a new email that my card was shipped and I will receive it on XXXX first When I checked my credit report, I found hard inquiry from capital one on XX/XX/2022. 
I found its the same day of my application and I was sure it ls due the accidentally repeated application I contacted the bank XXXX  times, they were unable to help me and they asked me to contact the credit bearu I cant log in to XXXX and XXXX I did a dispute with XXXX but they asked me to contact the bank Attached are the emails I got Please see the dates All on the same day The approval is the first XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX ACCNT # XXXX 30 days late on XX/XX/2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I submitted an identity theft affidavit to the FTC, declaring that I am a victim of identity theft and that my information was used to open the following accounts : - XXXX XXXX  : {$3100.00} - XXXX XXXX  : {$7100.00} - XXXX XXXX XXXX {$23000.00} - XXXX XXXX XXXX {$5400.00} In XX/XX/year>, I also sent a self-attestation letter from an XXXX confirming my status as a victim of human trafficking. However, the accounts were still verified. Subsequently, I requested detailed information about the verification process for these accounts, including : 1. The names of the specific representatives or individuals involved in the verification process.

2. The dates of these communications.

3. The rationale and evidence that led to the conclusion that these accounts belong to me. 

Despite my requests, I never received a response regarding the verification information, and the account was never blocked, despite my experiences with human trafficking and identity theft.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account Information : Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX 
Amount : {$3000.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney.
Product: Credit card or prepaid card

I purchased a XXXX set for gifting on XX/XX/XXXX from XXXX. 

I found an advertised sale at XXXX XXXX XXXX on XX/XX/XXXX and submitted it for match. 

CASE : XXXX It has been rejected. " After contacting the seller regarding your recent claim we have verified the item claimed was ; never available for purchase at the price indicated on the ad submitted, was of limited quantity, and/or it required a promo code not available to the general public. '' I called on XX/XX/XXXX XXXX EST and spoke with XXXX at the front line and XXXX the supervisor - who were both very polite - to ask why. I was told it's out of stock so it's " not for sale '' repeatedly and doesn't qualify for price protection.
Product: Credit reporting or other personal consumer reports

All three bureaus are not reflecting my true longest credit history and applying it to the XXXX formula. I want this information corrected by determination and send out to credit bureaus to make changes.
Product: Debt collection

I decided to go back to school but the only way I could do that is through student loans from Salle Mae. I was told that 6 months after graduation I would begin paying the loan back. When I went to apply for the next semester, I could not get approved ( not even with a co-signer ) therefore not allowing me to continue school. Since its been over 6 months since I was in school, I am now required to pay the amount back and cant afford it at the moment but have started a second job to try to help pay it ( XXXX loan ). However, they call me 10-15 times a day, and have started calling my family, my in laws, my friends, and my work. This is not only embarrassing but seems like it should be illegal and a violation of privacy.
Product: Debt collection

AmSher Collection Services is erroneously reporting to the consumer credit reporting agencies ( i.e. XXXX, XXXX ) that I have an account in collection regarding XXXX. 

I have had several debt collection agencies call about this, including one in Alabama claiming to be from the " XXXX XXXX XXXX XXXX XXXX. '' Apparently this is some skeezy law firm connected with AmSher. I explained to the collector there, I was XXXX XXXX military and assigned to a XXXX in XXXX. I discontinued service with XXXX at that point. I received a {$0.00} balance letter from them. I switched carriers. Somehow, some way, XXXX sent a " debt '' for collection. 

I have also talked to AmSher and explained the same. I checked my credit reports and I don't see the item having been removed, or even so much as AmSher reporting the account " disputed, '' which, when I talked to a consumer rights attorney, said that alone violated the FDCPA. When I spoke with AmSher, they told me a needed a confirmation number for payment to XXXX. I contacted XXXX AGAIN to verify the {$0.00} balance with a confirmation number. They, ONCE AGAIN, verified that I owed them nothing. I passed this number along to Amsher who then refused to accept this fact and continued to report the debt to my credit. I have done everything in my power and more to get this situation fixed and Amsher is simply refusing to do what's right. They are obviously not doing their part to verify the debt with each of my disputes, and that is not ok.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack. The criminal took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX.  Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, and credit card numbers. 
According to www.equifaxsecurity2017.com, I was  impacted by this incident, and my information may have been acquired by the hacker. 
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 of a auto loan account account opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ), This account have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Further this account are now considered in litigation. 

I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I was purchasing airline tickets when delta advertised a credit card offer that I would be able to get approved for and use for the transaction. If used, I would get a XXXX statement credit. Upon approval for the card, it asked if I wanted to use the card for the transaction and that I was approved for instant use but then would not populate the card information. I contacted American Express and both the representative and the supervisor stated I was not able to obtain a card number until I received it in the mail. They provided instructions to get a card number online but in order to do so, I needed the card information. I have included documentation of the offer and the conversations.
Product: Credit reporting

1. Disputed Unauthorized accounts on my Transunion Consumer Report and requested Original Documents with my wet ink signature Verifying these accounts. 
2.No Response from The Consumer Reporting Agency regarding my Concern of Providing me Physical proof of claims. 
3. I received a completed dispute with a few items removed buy quite a few still remains. 
4.According to The FCRA Section 609 All Accounts most be Verified Physically with Copies of the Original in the consumers file and if requested to see Documents must be Provide and if the Accounts cant be Verified following the Federal Law they must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX FED XXXX XXXX XXXX Balance - ; 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 EXPERIAN 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request to you to correct my Credit File from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$130.00}
Product: Credit card

Tomoboost which is a division of the tomo credit card, will not cancel the subscription that was originally signed up for. I have emailed countless times, they will not accept a phone call, this ive blocked the company from charging my credit card, they change their merchant number to get past the block! This was confirmed by XXXX  who is continually blocking the charges. Theyve charges me countless times in the last year+ and we cant get it canceled no matter what I do!
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Product: Mortgage

XXXX XXXX lent me 1st & 2nd mortgages in XXXX to purchase home at XXXX XXXX XXXX XXXX , CO XXXX. Both servicers began misapplying funds in XXXX and XXXX on each loan respectively and it took years to straighten out. I submitted a CFPB complaint about the 1st mortgage in which they foreclosed in the middle of a modification -- XX/XX/XXXX OMB Control No. XXXX -- XXXX XXXX  was the servicer. Foreclosure was eventually reversed. 

A similar circumstance is now happening with the 2nd mortgage. XXXX XXXX sold the loan and it has been sold 6 times since and is with a collection agency called XXXX XXXX XXXX. The last I knew of this 2nd mortgage was when XXXX had it and offered me an {$11000.00} payoff ( which I have attached ) to be paid when modification of 1st mortgage was complete. They also told me that I didn't have to make payments until we started the trial period of the modification after the 1st mortgage was complete -- therefore I should not be in default. XXXX XXXX  took 6 years to complete the modification on the 1st mortgage and meanwhile XXXX sold to XXXX XXXX in XXXX. XXXX XXXX  had told me they could absorb this 2nd mortgage in the modification and that they would contact them to discuss it. I'm not sure that ever happened ; the modification is very complex. 
Meanwhile, XXXX had been sending letters to my previous address and I didn't get them until recently. We were negotiating, they were calling it a modification, then I got a phone call from a women wanting to buy my house saying it was in foreclosure which was a shock to me. They started foreclosing while I was out of town for the holidays and they knew it becauseI let them know I would contact them when I returned. 

I have offered to pay them the {$11000.00} that XXXX offered ( which I have in writing ) and they refused and want me to pay {$38000.00} with interest ( rate changes each week ) and thousands in fees ( the number keeps changing each week ) and their attorney 's fees for the foreclosure. I feel they should honor their predecessor 's offer since when they bought the loan -- likely for 5 cents on the dollar -- around {$1900.00} according to a bankruptcy attorney I spoke to. I believe that if I called XXXX today, they would accept the previous offer of {$11000.00} cash ( if they hadn't sold the loan and closed their business ). They bought not only the benefits of the loan, but the responsibilities too. Again all my day is spent over the past several weeks on only trying to save my house because of a debt collector who is unreasonable and unfair in their practices and my family is being effected including my XXXX year old son. There is no reason for them to be foreclosing while we are actively involved in negotiations.
Product: Debt collection

Credit Collection Services has been sending me collection notices in the amount of {$51.00} Account # XXXX, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address issues concerning incorrect personal information on my credit report