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

Equifax had a data breach and as a result my identity was compromised and I have lost time money and assets. I am supposed to be a class action member but I never got payment nor did I get the promised restoration services. When I contact the administrator they tell me that I've gotten paid, I explain to them that I am not paid and perhpas my payment was stolen just like my identity. It was impossible for me to get paid and they will not verify the amount, who or how a person got paid because it was not me and they keep saying the same thing you got paid and this has gone on for months. 

I have never been paid, and my identity remains stolen such as this, someone has cashed this payment and it has not been me. 

I'd like to know the amount of the payment, the date, the check number and where who and how it was cashed to report it stolen and ask for a replacement as I am not compensated per the court settelment order. 


Equifax won't help and the administrator isn't helping, " m starting to see that class action checks are being stolen. 

I'd like to be paid and the credit monitoring and services given to me.
Product: Debt collection

XXXX 's client XXXX XXXX is a victim of ID theft. Her information was used to obtain medical services at various locations. She was contacted by several different collection agencies in reference to attempts to collect debt related to these services. One of these collection offices is BC Services working on behalf of XXXX XXXX. BC Services as well as XXXX XXXX have both been notified of the fraudulent nature of these accounts by way of official disputes sent both certified mail and fax. In providing the official dispute ( s ), address verification of her address at the time the services were obtained was provided showing her address DID NOT match the location for billing that was provided. BC Services failed to provide notification of receipt of dispute and attempted to collect on debt related to fraud AFTER receiving information detailing issues of my client and her ID theft situation. BC Services and XXXX XXXX are in violation of the FDCPA and FCRA.
Product: Checking or savings account

On XX/XX/XXXX we had our vehicle and it's contents stolen. This included a shared account card. I had just put my rent money in the account, and then {$350.00} was spent at a smoke shop and gas station we have never been to. It had taken a few days to realize which cards were in the wallet, as this shared card was nearly never used. Therefore the card was not canceled until a few days later, and the charges were made. Getting a vehicle stolen as well as other important documents was a hassle that scattered our attentions, and the card should have been deactivated sooner, and that is a mistake we will admit to. That is the only mistake we made except for choosing this bank. Simple, our BBVA banking company claimed that since I had just put in money, I had logged into my account, and that the funds stopped at " XXXX '' were reasons not to believe me, so my dispute was denied. I replied with the fact that I put the same amount of money in my account at relatively the same times each month for rent. We were also trying to dispute the charges, hense being logged in, and could not dispute them until they were done pending. Additionally, our account was actually - {$5.00}, not at XXXX. Therefore there claims are all incompetent. We have supplied the police report, the evidence of other banks ( doing their job ) and refunding us our money/canceling cards. We have gone to the trouble of pointing out all of the reoccurring payments, and we have talked to multiple people. There is no correspondence with the merchants because, well, that is the banks job and not mine, so we did not think to reach out to a smoke shop who probably would not have done anything for us anyway. I am a XXXX student full time with a part time job, {$350.00} is a lot of money to me, especially in a global pandemic. We are not thieves, this bank is the thief. We have correspondence with Simple on XX/XX/XXXX, XX/XX/XXXX XXXX and sent the last evidence on XX/XX/XXXX, only to receive a second denial today. We made the first dispute on XX/XX/XXXX, and first received a denied dispute notice on XX/XX/XXXX, and then reinstated the dispute the same day. The " important documents '' on the police report include a wallet. Here in NM the police are spread thin, and of course wrote down a vague detailed assessment of what was stolen. This does not allow enough security, and we are set back yet again. Another police report can not be made if there is an error in detail. We can provide the case number and Detective name phone number who can confirm that a wallet was stolen. It was difficult enough to deal with a stolen vehicle and wallet, and now we have everything else settled except for with this subpar company. I look forward to your assistance in getting justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017, I signed a dispute letters and mailed them to all XXXX credit bureaus.
In the letters, I asked for my name to be correctly reported. I enclosed both my ID and Social security card. I also disputed my personal information online. I received results from Transunion on XXXX/XXXX/17 stating my name was updated. However it was still Incorrect.
My Name is : XXXX XXXX XXXX They have me listed as XXXX XXXX. That is not my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX Account XXXX XXXXXXXX open XX/XX/XXXX according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, i demand to see verifiable proof of contract
Product: Mortgage

Our mortgage was initially written with XXXX XXXX XXXX XXXX on XXXX/XXXX/00 with an interest rate of 12.82 %. The loan was sold to HSBC Mortgage Services shortly after and the interest rate is 12.25 %. I have tried to work with HSBC repeatedly over the years to get interest relief but they will not budge. I was recently advised that when the mortgage was sold to them, we signed a form stating that we agreed to pay interest at a rate of 12.25 % or higher, but never lower so they are holding us to this ; HSBC recently sent me a copy of this. I do n't remember signing this form but, being a first time homeowner, if we were given forms to sign, we did. 
We are current on our mortgage and have been for well over a year ; we had problems in the past. We have tried to refinance several times with other companies but, due to past credit problems, we have been unsuccessful. We are working diligently on improving our credit so that refinancing might be able to take place at the beginning of 2016. 
Is there any way you can intercede to get HSBC to lower the interest?
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received an adverse action stating that I had a bankruptcy on my credit report. I filed bankruptcy over 20 years ago, the bankruptcy should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Finance an car with Chicago Car center on XXXX pay it off fully on XX/XX/XXXX It show on my credit report open account I ask to be close and the account was deleted from my credit report I call the finance and told me it was too old the account to be able to do something about it
Product: Credit reporting or other personal consumer reports

N accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I've been off from work with and work injury to my arm since XX/XX/2018. 
I've requested a mortgage modification because I'm unable to work. 
I don't want to loose my home. Also documents from my mortgage company show XXXX XXXX name. We are divorced and she signed a Quit claim deed to be removed from the deed. XXXX XXXX is still reflecting her on the deed. She was never on the note and the loan was acquired in my name. Also I received notice of service transfer from Regions stating the new servicer and the new servicer would not be recorded. Please record the deed and record all papers pertaining to my mortgage
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX XXXX ( Account Name & Number as shown on your report )
Product: Credit card

I am reaching out for your assistance in reviewing accounts from these companies that are inaccurately reporting late payments. After checking my credit report, I noticed certain accounts showing late payments, which is incorrect. These accounts should not have any late payment remarks.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX BANK XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX Account Number : XXXX, XXXX. Why are there multiple account numbers? In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. You are also reporting multiple errors and inaccuracies across all bureaus why? should all information match and be 100 % accurate under the FCRA? so you are in violation and I demand this account be delete immediately for violating my consumer rights! under 15 USC 1681n Civil Liability I demand monetary relief! if you are doing this to me you are doing this to multiple consumers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit card

I received a special invitation to apply for a platinum card ( American Express ) and applied online. I have a freeze on my credit and had to call to complete my application and spoke to a supervisor and he assured me that I would receive the miles promised in the invitation.The terms were for {$450.00} a year and I would get XXXX miles after spending a certain amount. After I reached that amt. I chatted online with a rep to see why my miles were not posted. She told me I had a card previously and would not get the miles. I am extremely upset by this {$450.00} is a lot of money to me and I would not have applied if not told in my invitation and by phone by a rep when completing my application that I would indeed receive the miles. American express has the records of my credit with them and should not have mailed a special invitation inviting me to apply if I had already had a card several years ago. I understand that all calls are recorded and they can certainly find out that the supervisor did assure me by phone I would receive the miles.
Product: Debt collection

Discover continues to report a debt they claim was an error in their computer system, I reported the situation to the police in December of 2022 because they continued to tell me they were fixing the situation and they did not. I am requesting that the identity theft related debt be removed from my credit file
Product: Checking or savings account

I closed a checking and savings account with Chase in XX/XX/XXXX, and left {$1000.00} in each account. I was told these funds, totaling {$2000.00}, would be mailed to the address on file. Those checks never arrived. 

I contacted Chase on XX/XX/XXXX about this issue. I was told, on XX/XX/XXXX, that the original checks would be canceled, and new ones would be sent to the address on file. These checks did not arrive either. 

On XX/XX/XXXX, I passed by the Chase branch located at XXXX XXXX XXXX, XXXX, MD XXXX, United States. The branch manager contacted a service that supposedly resent the checks again. Today is XX/XX/XXXX, and I have not received the checks. 

Today, XX/XX/XXXX, I contacted customer support by phone ( I contacted online customer support earlier, and was asked to contact the phone service ). The senior account manager I was redirected to informed me that the only thing he could do would be to send the checks for the fourth time. Despite my repeated requests toward a different solution, including contacting someone that could look into the issue more closely, I was repeatedly told that the only approach would be to resend the checks for the fourth time, thus repeating the same procedure but expecting different results. 

It has now been more than 3 months since I closed my accounts, and I have yet to receive the 2 checks. The first one is in the amount of {$1000.00}, and the second is in the amount of {$1000.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 Amount of {$750.00} was sent as a deposit payment for a pet that was provided with extensive pictures and videos through a message, with two-way communication. However after sending the initial payment, I was received with an email from a non-registered domain asking for an additional {$2500.00} to " comply '' with a covid-19 related shipping charges. This was unprecedented and completely fraudulent and the attempt to cancel the payment via Online portal was not available due to the method used XXXX XXXX XXXX. The other recipient ( or seller ) stopped responding to my messages. The seller is changing their recipient addresses around, with the latest one asking me to send the additional funds to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/Equifax/ XXXX XXXX Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX XXXX : {$59.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$620.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$75.00} XXXX XXXX XXXX  XXXX ACCT : XXXX XXXX : {$59.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : Account number : 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 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 An 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX and XXXX about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a delinquent account that does not belong to me and is reporting incorrectly as if it does. Filed a complaint with the XXXX XXXX XXXX and began the process of disputing this entry with the the three major credit bureaus. According to the FCRA, KOHLS has violated my rights as a consumer and I am requesting legal action to remove this account immediately as it is hurting my credit profile.
Product: Vehicle loan or lease

I was preparing to sell my vehicle and discovered Hyundai Motor Finance placed a lien on my vehicle when I never took a loan out with them. I purchased the vehicle in XXXX in cash, and found out that the dealership listed Hyundai Motor Finance as the lien holder. I purchased the car in cash. I never took out a loan or lien. I have tried contacting Hyundai Motor Finance and the dealership XXXX XXXX XXXX multiple times since XX/XX/XXXX to have the lien released. No one has been able to get the lien released. I have faxed over proof of sale and the title application that shows Hyundai Motor Finance as the lien-holder. They all agree there should not be lien, and that there is no loan, and that this was a mistake. I have contacted the Wisconsin DOT and they explained that because the state uses electronic titles, this should be quick to resolve. I can not sell my car without the title and need the lien released and the title sent to my address. I am also having to pay for the car to be insured and registered when I do n't drive it and am trying to sell it.
Product: Checking or savings account

XX/XX/2016 JP Morgan was entrusted with a large deposit to open a business account. 

JP Morgan saw the amount & got greedy. 
The bank decided to keep the deposit then lie to everyone to cover that up.
Product: Mortgage

On XX/XX/XXXX of XXXX I called Vanderbilt mortgage company about a foreclosure home they had for sale I was in contact with a gentleman named XXXX that was the property manager for this company He offered the property to me at {$50000.00} then on XX/XX/XXXX of XXXX I called in to Vanderbilt in their mortgage department And filed over the phone with my XXXX XXXX XXXX son for this mortgage on this home with a XXXX XXXX and I told XXXX XXXX I had some questions about there rules about giving mortgage to someone that coming out of bankruptcy almost 2yrs after discharged and XXXX XXXX proceeds to tell me six months after bankruptcy I could file for a mortgage with there company and shouldnt have a problem so I told her my credit score from trans Union and she told me that would be fine because they just dont look at the score they will take the Consideration of everything and I shouldnt have any problem getting the mortgage So my son and I went ahead with the Application process Then on XX/XX/XXXX I received a phone call from XXXX XXXX at XXXX She asked me some personal questions about myself to assure it was me then XXXX  XXXX told me that there no programs with there company for me I feel that I was missed lead by this company by them saying there shouldnt be a problem financing me then rejected me for the mortgage even after they was going to sale me this property they have for sale at XXXX and then had me to get a mortgage at XXXX I have watched this property go from XXXX on XX/XX/XXXX all the way down to XXXX on XX/XX/XXXX then jump back up XXXX on XX/XX/XXXX This home needs the Septic tank put back into the ground and the water line replaced to the home before I would be able to move into it
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday, XXXX XXXX, I heard about the hack Equifax suffered and checked to see if I was impacted. I checked using https : //www.equifaxsecurity2017.com/ and got a message that said that my information was compromised. I could n't get them the freeze my credit, and even if I did, it would 've cost me money to freeze my credit for their own mistakes which is such a scam.