23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On ( or about ) XX/XX/2022, a hacker gained access to my PayPal account and made over XXXX unauthorized transactions. As of XXXX, PayPal is currently limiting the fraudulent accounts and deleting the fake invoices, but I still have a negative balance in my PayPal account for {$4200.00} that was paid to a hacker or to someone who's account was compromised by the hacker.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Lvnv Funding Inc apparently sued me after repeat harassment of my family members being called and emails non stop being sent to me to speak with them. One individual threatened my father and uncle that they were looking to sue me if I did not return their calls. Next thing I know after I got my tax return for state, I was being garnished and my tax return was taken for it. I recieved no notification from the treasury nor the company about the garnishment. I only found out by having to call the Michigan treasury about why I was being garnished after going online to verify where my tax return was at. I don't even know what Court house to go through since I have nothing to figure out about it to challenge it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have disputed these credit card accounts XXXX XXXX XXXX XXXX for {$2900.00}, XXXX XXXX XXXX XXXX for {$5600.00}, XXXX  XXXX XXXX for {$1500.00}, and XXXX XXXX for {$310.00}. I filed an identity theft report. These accounts still have not been removed from my report. I have never had an account with these companies and would like for this to be removed from my credit report.
Product: Credit card

I have been on autopay with this account since I opened the account. Which was working fine for years. The last payment that was cleared was on XX/XX/2024 for XXXX dollars. .Then for some reason the XXXX payment on XX/XX/XXXX for XXXX dollars is returned. I received an e-mail in XXXX stating my payment is late. I called on XX/XX/XXXX and provided my banking information again and made a payment of XXXX dollars. My bank XXXX XXXX claims they have no record of that payment request, Elan financial services claims there was astop on the payment, and they reported to the credit bureau that payment is late but did not inform me that this payment is not made. Elan financial services claims the payment is stopped by XXXX XXXX XXXX XXXXXXXX has no record of any payment request. In the mean time I am charged return fees and my credit report has now a late payment, which I had perfect record so far. I think it was a mistake in the system or nework or something which was not my fault and now I am being punished for it
Product: Debt collection

I hired a contractor XXXX XXXX to install carpet in my home. They installed the carpet. but the carpet quality and color is not what i selected for. Its a very cheap material carpet and padding they installed. the color is also not what was selected for. After the carpet is installed, the threads are coming out. The carpet corners are ripping off. I need to reinstall the carpet all over again. the workmanship is of very poor quality. i called XXXX XXXX  few times but no help. The collection agency is now trying to collect on the debt. I provided the photos of the carpet installed, but debt collection agency is not taking any action on it. They just provided me the copy of the contract and stated that i owed the debt and needed to pay.
Product: Checking or savings account

On Saturday XX/XX/XXXX, BBVA attempted to transition my Simple Banking account into a BBVA mobile banking account. This had been announced for months and was assured through emails that all banking information would remain the same, I would just need to create a new login. Since the transition I have not been able to login to view any account information, nor use my debit card, or have any access to my funds. BBVA stated they would open up customer service on today, Sunday, XX/XX/XXXX to help deal with the transition. Every time I call in to the customer care line, the call is either disconnected or the customer care representative acts like they can not hear me and promptly hangs up.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVERBANK ACCOUNT XXXX XXXX  in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVERBANK ACCOUNT # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit reports, I noticed a company, Fair Collections and Outsourcing, placed an account in the amount of {$3100.00}. I disputed this information as I thought it was inaccurate. After receiving the validation the sent. I reached out again to inform them that this was not my account. The company never responded and the validation didn't have any proof of signature or identification that matched mine. I'm unclear if it is a company mistake. I believe this is identity theft and would like this promptly removed from my credit files. This account is hindering my credit health.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XX/XX/XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 i borrowed money from Checksmart in XXXX ohio. The entire process was odd. The amount i received was {$280.00} and the payback amount was {$330.00} which was due XX/XX/XXXX. I paid the amount off in full on XX/XX/XXXX & decided never to borrow from that company again. Today XX/XX/2019 i had a missed call from Checksmart so i returned the call. At XXXX i called the XXXX   number and XXXX answered the phone. She informed me she was calling to remind me of my payment due on the XXXX. I asked what payment? She then proceeded to tell me that i owe {$25.00} a month for the next 12 months for an open line of credit of {$400.00}. I was baffled & shocked. I told her this is the 1st im hearing of this and that i borrowed one time from their company and paid the amount off in full. I dont owe them anything. It was one transaction that is over. She said its like a credit card that charges monthly fees and i told her i dont have any of those and i didnt agree to this and i dont owe them anything. She said theres a {$10.00} credit investigation fee and its included in the monthly fee. I told her i dont owe them anything because i paid everything off in full. She then asked when and how i would pay the monthly fee ... i said im not and i was contacting an attorney for fraud. I then found your website and began filing this complaint. This is absolute fraud and some odd extortion. I never agreed or wanted any of the things their saying i owe. I went there one time and paid it off in full. I decided not to borrow from them again because the whole process on XX/XX/XXXX felt shady. I can see now that shady feeling was well founded. This is a scam company and i cant even imagine how many other people they are robbing. It is fraud and theft. I look forward to hearing back from you. Thanks so much.
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. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I looked at my credit report and was shocked to see the numerous amounts of errors listed as a result of identity theft. Sent numerous letters to company and bureus. I never stayed at the address listed on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX  {$240.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$240.00} {$240.00} Payment Info Original loan amount {$240.00} Balance {$240.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX  {$490.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX all ftc violations
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Mortgage

We are in the process of refinancing our mortgage. In XXXX. Select Portfolio Servicing, Inc. ( SPS ) reported to XXXX XXXX that our XXXX house payment was late. Under XXXX XXXX rules you can not refinance if a late payment has occurred over the length of loan. We have never been late. When this refi process was started in early XXXX 2016 the company we are dealing with had to run an initial report and everything was perfect. We found out after many phone calls and being switched to all sorts of people that Select Portfolio Servicing held our XXXX payment due to a " Recast '' they were not authorized to do on our loan. I always make my payments online and have a " Payment Receipt '' showing I made the XXXX payment on XXXX/XXXX/2016, it cleared my bank account on XXXX/XXXX/2016. It took me a month to get SPS to terminate the " Recast '' and get my payment was then posted. But by that time it was reported to XXXX XXXX that we were late for XXXX. They had our money and held it with no explanation to us. Once we were told the payment had been posted our loan processor called for final payoff amount and we were ready to close. Their underwriter then was told by XXXX XXXX about the late payment reporting. 
So we are at the point now where we are trying to get SPS to contact XXXX XXXX to correct the error so we can close. I keep being told that messages as have been left with XXXX XXXX. I get switched around from Supervisor to Supervisor and as of today 's date their error to XXXX XXXX has not been corrected. We are in great danger of losing this refinance. I ca n't get anyone at SPS to help us. I have spent numerous hours on the phone with them My loan officer and I were on a conference call for an hour and a half, while I was at work, on XXXX XXXX supposedly with a manager who was taking care of it with their legal dept. Todate neither of us have been able to make contact with that person. Can anyone help us get SPS to correct their error so we do n't lose our refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have been locked out of my account and existing funds on said account since the middle of XXXX. 

Coinbase is saying my account is " under review '' but I have re-verified all of the information that they asked for identity verification purposes multiple times now. 

There are funds in the form of cryptocurrency on the account that I have been unable to convert, sell, withdraw, etc. 

I feel this is unjust and negligent on their part seeing as I put hard earned capital into my Coinbase account in good faith that I would be able to access it after the investment grows. That capital investment has since done good in a particular coin that they seem to have liquidity issues with, and now they're not letting me make any additional trades. 

I have opened up multiple tickets to try to expedite the " review process '' but the customer service is terrible and they keep sending me back an automated reply instead of actually answering my questions honestly. There is a total lack of transparency on their end. 

I believe they have a liquidity issue with a certain cryptocurrency and they are using " account review '' as an excuse to block me from trading ; because they reviewed my account history and see that I am only buying and holding the coin they're super short on. So much for a " free market ''.
Product: Credit card or prepaid card

On the morning of XX/XX/XXXX - I logged onto my bank account app and noticed that {$500.00} was missing from my account and money had been sent to a XXXX XXXX and it says it on the transaction which is transaction # XXXX. This was done on My Serve American Express card that I have had for several years now. I contacted the card company and they had already put a lock on my account because they noticed fraudulent activity. I went down to my local bank to pull the remainder of the money out just to make sure that was not stolen from me so the customer service department at Serve had to unlock the account long enough for me to get my money out. Then they locked the account back up. I also filed a dispute at the same time over the phone. I was told it would take 10 business days for me to get an answer/resolution. I checked my email on the 10th day and it said my dispute had been declined. So I contacted Serve again asking for an answer. I was informed at that time that I needed to submit a dispute form and email or mail it to them. I did so immediately. I waited again 10 business days and then received an email on the 6th day declining the dispute yet again! As soon as I noticed that it had been declined I contacted Serve again and re-opened the dispute. Then yet again on the 2nd or 3rd day this time dispute was declined again. I contacted serve again and filed another dispute on XX/XX/XXXX. Just looked at my emails from yesterday and the dispute was declined again. I contacted them this morning XX/XX/XXXX and filed another dispute. I have filed a police report with XXXX Police Department XXXX # XXXX.