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

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. 

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than XXXX business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

They also violated my rights under : 15 U.S. Code 1681i section 5.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXXXXXX XXXX XXXX BANK Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed accounts that were opened via identity theft with servicer between 3 to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. They refuse to block info that I'm telling them is result of Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this to hopefully receive assistance in placing a credit freeze on my credit. 
I have attempted to use the online and telephone services that are provided by the three credit bureaus, however, I am finding that it is becoming more and more frustrating to protect my own credit history because they are being deceptive. My only option left is to gather all the required papers and mail them to each individual bureau and pay them {$30.00} ( {$5.00} ea. for me and my significant other ) plus shipping to fix their mistake that they made when they allowed all of our credit histories and information to be hacked. 

On top of this, because my stolen information has n't been used against me yet, I am unable to file a report with the law enforcement agency in my area. So I am stuck paying to fix their mistake. And to add to this grief, in the future when I plan to request a business loan and a mortgage after that, I will have to pay out of my pocket to temporarily lift the credit freeze. 

And as each day goes by after this hack, the credit bureaus are updating their websites to make it harder to freeze your credit and easier to pay for their credit monitoring services. I do not want to pay for a credit monitoring service from a credit bureau that has already lost 100 % of my trust. I just want to freeze my credit, plain and simple. Why is that so much to ask for? 

I will also be living in a constant state of worry as to where my information has gone and how it can be used against me. 

This is not okay. And I believe a large majority of Americans who fully understand the gravity of this situation would agree with me in that there has to be some change implemented to alleviate the burden off of American victims. As well as to make sure that the companies that are to blame for this are held responsible for their wrongdoings. 

Why am I, the consumer and the victim, placed with the short end of the stick in every aspect of this situation? And how can I even trust that this will not continue to happen in other aspects of my financial life? 

Thank you for taking the time to read my situation, I sincerely hope that you can help me and every other person that is affected by this. 

PS : I have also attached screenshots below that prove that XXXX changed their web page after the hacking news was brought to light on XXXX/XXXX/2017. They changed their website to make it more difficult for people to freeze their credit, and they made it easier to pay for their credit monitoring services instead.
Product: Credit card or prepaid card

I filed a complaint last year regarding American Express Serve, they claimed my account was over drawn by {XXXX}. I provided statement records showing that they never added a refund from a return from XXXX. I kept getting the run around and they never could show when and where the money was ever returned to my account which resulted in a very rare overdraft of {XXXX} on a XXXX account. Regardless I was tired of dealing with it and they would not let me close the account so I figured I would deal with it later. I continued to receive monthly emails informing me that my account was XXXX} overdrawn until XX/XX/XXXX when I received this email : During a recent review of your American Express Serve Account we noticed activity that was in violation of the Serve Member Agreement, section : XXXX. 
Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call XXXX XXXX XXXX at XXXX. 

I hadn't used the account for months and when I tried calling I get a message informing me that I can only write the address they will provide and that I can NOT speak to any on the phone regarding any of activity they are referring to. Odiously something happened on XX/XX/XXXX because on XX/XX/XXXX I received an email showing my account had a credit of {XXXX}. I tried to get some information but my account was now suspended, I had been blocked from speaking to any one and I had no access to my money or information as to how I went from owing them {XXXX} to now having a credit of {XXXX} that I can't access. Finally I decided to order something from XXXX for around {XXXX}. I quickly received this email : During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 
As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 
Any remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account. 
If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX I hadn't done anything to violate any terms, my account has been suspended with a negative balance for months and only as of XX/XX/XXXX did I have a credit for an account I cant access. These people are dirty and I want to see my statement and what happened that made my account go positive. I think i have every right to know why I had an account I could not access or even close. Thank You
Product: Debt collection

Portfolio Recovery Associates added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. you are negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX  AND LEGAL COUNSEL TO FILE SUIT.
Product: Money transfer, virtual currency, or money service

I have been trying to access my CoinBase account for 3 days now. I have verified my phone number, my email, my ID, and submitted videos of me to the website. These have all been denied within minutes and I am completely unable to contact any humans at the company for support. Their support page directs me to a phone number which directs me back to the website support page. They have run me around in circles for days and blocked me from accessing my funds.
Product: Debt collection

I was the victim of Identity theft and had several accounts opened or attempted to be opened in my name using my personal identifying information. I have since added fraud alerts to my credit reports with XXXX, XXXX and XXXX as well as filed an identity theft report with the Federal Trade Commission. The accounts in question have been removed from my credit reports by the original creditor XXXX and XXXX yet the collection agency LVNV Funding XXXX Resurgent Capital Services is still attempting to collect on them despite my repeated attempts to resolve this matter. I have since disputed the accounts with the three credit bureaus and explained the situation and included Identity Theft affidavits as well as letters received from the original creditors. Yet, LVNV Funding is still trying to collect on accounts that were fraudulently opened. I need this matter resolved asap or I will pursue legal action for damages against LVNV XXXX Resurgent.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  had gone bankrupt and not fulfilled their end of the contract. HFD the processor of the financing is still attempting to charge everyone and my bank has already sided with them even though they did not hold their end of the contract.
Product: Debt or credit management

I'm writing to express my concern about an unauthorized credit card account with Capital One that has negatively impacted my credit score. Despite my efforts to resolve this issue with Capital One and the three major credit bureaus, the problem persists.

Background : - I voluntarily opened one Capital One credit card account, which was subsequently closed by the bank due to inactivity.

- However, another Capital One credit card account was opened without my consent or authorization, resulting in a {$700.00} debt. 

Actions Taken : - I've contacted Capital One 's customer service and dispute resolution teams to report the unauthorized account and request its removal. 
- I've also reached out to all three major credit bureaus ( XXXX, XXXX, and XXXX ) to dispute the inaccurate information and provide proof of the unauthorized account.
Product: Debt collection

Upon direction of Select Portfolio Servicing, Inc, XXXX Bank, XXXX XXXX, has been illegally attempting to collect a mortgage debt for the past 2.5 years and has engaged in multiple instances of fraudulent misrepresentation to both me, the state and appellate courts of Ohio, and to the United States Sixth Circuit Federal Court. Specifically, the Bank, by and through its attorneys, alleged that it is the new trustee in the case by virtue of being the successor in interest to XXXX XXXX XXXX. As a result of those false statements, the bank then stated to the courts that it was the 'real party in interest ' in my case. In addition, XXXX Bank itself wrote me a letter ( attached ) in XX/XX/XXXX stating that it was the 'trustee ' for the 'trust ' that owns my note and mortgage. None of the statements above, both made in court and made to me, were true at the time they were made, and they are still not true today. The evidence of their falsity is readily apparent by means of a fraudulent 'Corporate Assignment of Mortgage ' that was filed by Select Portfolio Servicing , INC , the servicing agent on the account. The assignment, which was prepared on XX/XX/XXXX, contains a number of contradictions that prove that the statements made prior to that date were false. In addition, further statements that were made after XX/XX/XXXX are also false since they assignment failed to transfer any 'interests ' to XXXX Bank as they alleged in court documents. XXXX Bank, in addition to committing fraud upon the Courts, is in direct violation of the Consent Decree it signed with the OCC in XXXX, XXXX. Article IV ( 1 ) ( e ) of the Compliance Program, signed by the bank on XX/XX/XXXX, requires the bank to establish and maintain : ( e ) processes to ensure that the Bank has properly documented ownership of the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the action ( as a result of agency or other similar status ) at all stages of foreclosure and bankruptcy litigation, including appropriate transfer and delivery of endorsed notes and assigned mortgages or deeds of trust at the formation of a residential mortgage- backed security, and lawful and verifiable endorsement and successive assignment of the note and mortgage or deed of trust to reflect all changes of ownership ; ( emphasis added ) All of the above requirements imposed by the OCC detailed above have been violated. As of XX/XX/XXXX, XXXX Bank has filed a new praecipe of sale as part of its ongoing fraudulent scheme to literally steal my home under false pretenses. I filed in state court on XX/XX/XXXX the attached new motion to vacate the summary judgment due to fraud on the court and 'any other reasons justifying relief ', but it was incorrectly denied on XX/XX/XXXX due to 'res judicata XXXX XXXX
Product: Debt collection

Lease was broken due to loss of employment and XXXX. There were 3 months left on the signed lease. The apartment was re-rented a month later. They kept the security deposit of {$1400.00} and trying to charge me and additional XXXX although there was no loss of rent. Apartment was cleaned and were no damages, IQ Data is harassing me on a daily basis. Under the Washington Law Tenants ACT, they are breaking the rules. Landlords must mitigate there damages. I have written to these individuals and they have placed this on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification to Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account. 2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process. As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. i I do not make this inquiry. 
XXXX FCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. i I do not make this inquiry. 
XXXX FCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. i I do not make this inquiry. 
XXXX FCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The following personal information is incorrect XXXX FCU Account Number : XXXX please remove inaccurate late payment update to paid as agreed 7. The following account is not mine XXXX XXXX Account Number : XXXX Delete this account. 
8. The following personal information is incorrect XXXX FCU Account Number : 54 please remove inaccurate late payment update to paid as agreed 9. The following personal information is incorrect XXXX FCU Account Number : 74 please remove inaccurate late payment update to paid as agreed 10. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Delete this account. 
11. The following account is not mine XXXX Account XXXX : XXXX Delete this account. 
12. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.

13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX WA XXXX
Product: Mortgage

Multiple times over the last XXXX  years. The mortgage website has said that I've made my payment automatically. ( photos attached ) This has turned out to be false. I get no messages from the mortgage company that I have missed a payment, even when my mortgage goes into delinquency. When I click " pay '' on the website, the website alerts me that a payment has already been made with an aggressive popup. 

I have to bypass it and force a payment in order to get my mortgage actually paid. 

The mortgage company then charges me late fees and reversal fees for the " late '' payment. 

The last time this happened was XX/XX/year>. I sent the company a message asking explicitly if my payment went through on the XXXX. On the XXXX, they told me explicitly " Yes '' it went through. In the middle of the month a new transaction was added to the account with a date of the XXXX. This said that the payment was " reversed '' and never went through. Now I have a reversal fee. If the reversal truly happened on the XXXX. The employee should have seen it on the XXXX when they replied. And either way, when a reversal happens I should be informed, and the website should not say that my payment was successful and prevent me from paying. 

Their website is deliberately deceptive to extract extra money out of their mortgage customers. Their employees lie to you about the status of your loan. 

Furthermore, all communications with them are required to go through their web platform. Where you do NOT get a copy of communications. The communications are deleted by the mortgage company quickly when they are about the above issues. You have to screenshot your communications in order to have a copy of them. 

This intentional destruction of papertrails is also deliberately malicious.
Product: Credit reporting or other personal consumer reports

I have been reaching out to Transunion for a few weeks about 16 fraudulent inquiries on my credit report. O have filled a complaint with the CPFB. I also filled complaints on the companys who pulled my credit report without my consent. Some of the companies responded saying they dont have my information on file because the name that was used wasnt my name, but my social security number and birthday was used. Transunion removed 8 of the fraudulent identity theft inquiries but refuse to remove the other 8. This is a nightmare dealing with Transunion on deleting fraudulent information on my credit report. The name XXXX XXXX was used and I dont have any identification in that name. My name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I received a notification that my XXXX credit report had received a hard inquiry from Barclays Bank in Delaware. 
I immediately contacted XXXX and inform them that that was a fraudulent inquiry as I had not applied for any credit. They told me to contact the company which I did, and Barclays wanted me to give them my social security number which I refuse to do. I told them not to issue any credit to whoever was applying because it was not me and later received a letter from Barclay wanting me to provide my driver 's license which of course I did not. As far as I know Barclay did not provide the scammer with any credit however the hard inquiry is still all my credit report and it knocked XXXX points off of my credit report. I called the XXXX again today to tell them that they had not removed the and they told me I needed to come here to file a complaint so that they could remove it. I don't understand why they didn't tell me this when I called them XX/XX/XXXX when the fraudulent inquiry was made regardless I want this hard inquiry off of my record I have never applied and it should have never been on my record to begin with because I have always had a fraud alert on my account so I don't understand why a hard inquiry could even appear on an account that has a fraud alert on it to begin with. 
Thank you very much XXXX XXXX