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

Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 : credit card and collections : Account name XXXX XXXX XXXXAccount number XXXX Balance {$4900.00} ; Account name XXXX XXXX XXXX Account number XXXX Balance $ XXXX Date opened XX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being 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 accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act, this creditor XXXX  Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.
Product: Credit card or prepaid card

Discovery credit card authorized without my permission a charge from an advertising company XXXX to which I had notified " NO RENEWAL '' This advertising company had my old card number since a year before I had to report it to Discovery Card as lost, but despite the fact that this advertising company " XXXX '' did not have my new card number, Discovery card still charged it as a " recurring charge ''. The first payment was on the day of the subscription XX/XX/XXXX, second payment XX/XX/XXXX, I do not consider these as recurring payments. 
That same day that the charge entered my credit card, Discovery Card sent me a text asking me if I authorized the transaction and I immediately replied " NO '', then Discovery Card sent me an email asking me if I authorized the transaction, and I also replied that " NO '' and clarify that it was fraudulent. Even so, the Discovery Card authorized the transaction. I've been sending texts and phone calls to the vendor " XXXX '' ( advertising company ) and with Discovery Card for two months. The seller never responds to emails or phone calls, only once did they respond that I have to complain to Discovery because the payment did not go through. Discovery Card closed my dispute because they claim that the vendor has shown proof that I use the service. This is completely false because I never renewed this service nor has it been used since it expired.
Product: Checking or savings account

A checking account was opened in my name that I did not request. I called on XXXX to report this as fraud and asked to have the account shut down. I was told that it would be shut down and they would open a fraud investigation, and reach out to me to obtain more information for the investigation. They never reached out to me for more information, and instead I got a letter in the mail that my fraud claim was denied without explanation. I called back on XX/XX/year> after receiving the letter to again re-open a fraud claim and ask to have written documentation of my claim and that this account had been closed. They said they would need to transfer me to another department for this documentation. Then, the person I was transferred to said they could not provide this documentation in writing, either via email or letter. They also said they could not provide written documentation of my appeal of the fraud claim and instead I would need to wait for the appeal decision to come in the mail in 10 days.
Product: Mortgage

I am again responding to JP Morgan Chase recent response to my request to have a question answered through the CFPB. I have already worked with over 24 of your representatives who knew nothing, had no idea of anything, nothing in the file, etc. Your recent assignments of more than 8 members of your legal team ( I assuming they are legal ) as they have managed to manufacture a response than 24 of their people had no answer to. No surprise there, I expected them to manufacture and provide 'answers'/'response ' to questions I did not ask. Oh, and I see I have another 'new one ' that will regurgitate the same fraudulent response as the others. Let me state my question again, since I guess I was not clear enough. 
*Did JP Morgan Chase while giving out verbal mortgages provide compensation in the form of commission to members of their mortgage dept. staff in the number of homes they could foreclose on? 
*Was this authorized by a department head, the CEO, or was this just 'rogue ' employees receiving and paying themselves commission for each home foreclosed on? 
*How many people lost their homes because of this action? 
*You see, giving out a verbal mortgage, and creating staff incentives for each foreclosure makes for a XXXX of an incentive to 'lose files ' not to be able to receive all documents on a timely basis, and so on. 
JP MorganChase, all I want from you to is to verify that this was common practice in your department, not the garbage response that you keep sending to me. 'XXXX.
Product: Credit reporting or other personal consumer reports

I reached out by mail to companies listed on my credit report for validation of debt, they have yet to respond. It has been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove fraudulant inquiries:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I ordered some digital items through PayPal, from someone committing fraud in XXXX. I filed a dispute with PayPal and they sided with the fraudster, after I submitted evidence showing the entire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 4 accounts held in Experian database since XX/XX/XXXX and Experian has Conspired with the company to further damage me. XXXX. ) Experian told me that the company can have duplicate accounts and report late payments on a Charged off account/ sold account from XXXX with no payment agreement. 
XXXX. ) Experian has said that the addresses do not have to match my address or previous addresses because it is assigned to the government at XXXX XXXX XXXX XXXX XXXX, Washington XXXX. 
XXXX. ) Experian submitted my information to the collector and allowed it to update the aforementioned address to me physical address. 
XXXX. ) Experian told me I have no rights to the information the collector that they call creditor submitted and if I wanted that information I will have to contact it directly. 
XXXX. ) Experian blocked my membership from disputing online and did not submit the 4 credit reports I uploaded on their platform to show inaccurate reporting across the 4 credit bureaus. 
XXXX. ) Experian has used entrapment and conspired to damage me and my character with the collector. 
XXXX. ) Experian said they dont have the power to delete accounts for reporting inaccurate information it is up to the collector. 
XXXX. ) Experian has shared my information with the collector without my consent for profit and gain and updated fraudulent information to my accurate information for profit. 
XXXX. ) Experian would not let me challenge this information and Experian has refused to mail me out dispute results and information presented from the collector. 
XXXX. ) Experian has assisted the collector in the cover up of Securities fraud as I have the Cusip for the account and deposit location of my Signature / Autograph.
Product: Credit reporting or other personal consumer reports

It is XXXX and I have contacted them to remove and I have depute before with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX th XXXX I went to XXXX XXXX to purchase a table. I was made aware of an interest free payment option multiple banks offer through XXXX  and the sales rep signed me up. I handed him my drivers license which has my previous address listed. I let him know that we just moved from XXXX XXXX to XXXX the previous month. I verbally gave him the correct mailing address in which he said he entered. I wasnt handed any paperwork but told that we would receive everything in the mail when the first payment was due. On XX/XX/XXXX th my wife noticed that there was a past due remark on my credit report she called using the information provided, let a Genesis manager know what happened, was credited back late fees and paid the balance in FULL. She was told that the negative remarks would be removed from our account. My wife called the number listed on the dispute notice with additional information supporting our dispute and was told on XX/XX/XXXX by XXXXXXXX XXXX XXXXXXXX that this letter has inaccurate information and we are not able to update additional information regarding this dispute. So Ive written this letter along with filed a complaint with the XXXX XXXX XXXX 

Here is additional PROOF that this attached : XXXXA copy of our official change of address submitted on XX/XX/XXXX with the US Postal Service -A copy of XXXX XXXX XXXX Appraiser Records showing we purchased our home at the corrected address on XX/XX/XXXX ( about a month BEFORE our purchase at XXXX XXXX ) - A receipt showing we filed a complaint with XXXX -A copy of my payment history with the credit bureau showing this is the ONLY late payment Ive had on my report in 15 years! 

We take our finances seriously. My wife was told today, XX/XX/XXXX by XXXX that she was contacted and that a woman picked up and said do not call this number again This did not happen and doesnt make sense since the very next month the same woman, my wife, called to pay the account in FULL. 
We are young adults that take our financial responsibilities serious. This negative remark dropped my excellent credit score XXXX points- this is unacceptable. This error was not our own and the remarks need to be removed. 

Any questions, call XXXX or XXXX XXXX and XXXX XXXX
Product: Mortgage

Why didnt Freedom Mortgage approve me for the COVID 19 loan modification?, Im receiving unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXXAlso Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXXXXXX  dated XX/XX/XXXX.
Product: Debt collection

This company has thousands of complaints on the XXXX XXXX XXXX website from others stating that they receive harassing and endless phone calls from this company. Most reports say this company is a SCAM. They continue to call my phone every day, multiple times a day. They never leave a message.
Product: Credit reporting or other personal consumer reports

Follow-up information was requested from Equifax ( original complaint # XXXX ) to forward from me to Equifax by mail. As you can CLEARLY SEE in attached file copy of letter submitted letter sent by Equifax is not only confusing it is contradictory as it provides XXXX different XXXX XXXX XXXX to provide documentaion to them.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan from One Main Financial and paid it off in full on XXXX XXXX, XXXX. 
Then just recently i look at my credit report and it shows as i just took out a new loan in XXXX XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX XXXX XX/XX/XXXX I applied for and was approved for the Covid 19 Forbearance protection under Cares Act. Under this protection my account was to show Forbearance and current. It was this way for a year. In XX/XX/XXXX I applied for and was approved for a loan modification. I qualified under Covid 19 Cares Act which allowed the lender under FHA to defer the past due amount. They did so but instead of showing that my new payments were due XX/XX/XXXX, they reported my credit late for the previous months that I was to be protected. I asked that they correct my credit. They had me send a letter. I did so, and my credit is still showing late with Carrington Mortgage it was first reported late XX/XX/XXXX and now showing over 120 days late for XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$0.00} and XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$670.00}. Please delete ASAP.
Product: Vehicle loan or lease

Im a couple mth behind due to XXXX laid off and me being XXXX I got the boot first because I made less hours already plus I was getting surgery done so they thought it was best. Shortly after surgery my roof at the star club apartments collapse on me and my wife send me into a deeper recovery. After coming out of recovery I was asking for a little more time to make it up I promise I could have and still can just with a little more time before selling my car today Im pawning and losing a lot just to keep my car and just need a little more time its XXXX I owe but they only gave me a week after recovery to come up with it witch sends me into a panic and then XXXX Im XXXX and need the car to get to my doctors appointments and my daughters ima single parent now and coming back from recovery this isnt wat I wanted this is all I truly have since all the roofing collapse on are stuff and ruined to where we are suing the apartments because we try to tell them but nothing got back to us now Im losing the only thing that helps me get around to make money to just for the car not only that but most of my belongings are in there my clothes my shoes my daughters stuff plus my wifes wedding rings and if they cant give me my car or time to pay then I would like my valuables but much more meaning to my XXXX yr old daughter she hasnt had her bear for so long and her crying still hasnt stopped from the time of sleep till morning all Im asking for is time or my families stuff Ive been having seizures back and forth on this I just need it to end plz help me ASAP today if possible My car is already reposed and in there words would be in storage for long Im stressing this out to the point where my XXXX are coming back uncontrollable due to losing so much already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a problem with the EXPERIAN credit reporting agency. They are reporting false information on my credit report. I sent them a police report a police complaint number and a letter stating about my Identity Theft. They did not attach the documents to my file nor have they fixed the issues with uploading documents on their website. XXXX XXXX  and XXXX XXXX are fraudulent accounts on my credit report and EXPERIAN refuses to take them off.
Product: Money transfer, virtual currency, or money service

I was scammed by a company named XXXX XXXX XXXX out of {$40000.00} that I sent through crypto currency. On XX/XX/2022 I was approached by a women named XXXX XXXX ' on XXXX XXXX stating that she had joined a XXXX group that I was a part of called XXXX XXXX. She claimed that she was getting better returns from a company called XXXX XXXX XXXX and that I should check them out. She provided the companys website called XXXX  I did some research about the company but couldn't really find much online. I decided to contact XXXX 's support team and was told that funds were insured and that I would be able to withdraw at any time. On XX/XX/2022 I deposited {$900.00} into my XXXX wallet on XXXX XXXX XXXX I saw that funds were growing well so on XX/XX/2022 I sent {$1100.00} and saw even better profits. On XX/XX/2022 I deposited {$38000.00} and saw even better profits and said it was time to withdraw my funds. At that point I tried withdrawing funds but couldn't contact company anymore and that's when I new it was a scam. I immediately contacted law enforcement, XXXX XXXX, and Coinbase to report scam. I've been trying to recovery stolen money by working with XXXX XXXX and Coinbase but have had no luck. Any assistance in resolving this issue would greatly be appreciated.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via credit/debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing Capital One services.
Product: Credit reporting or other personal consumer reports

Pursuant to the CFPB, the definition of a consumer report is any written, oral, or other communication of any information by a consumer reporting agency that bears on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living that is used or expected to be used or collected, in whole or in part, for the purpose of serving as a factor in establishing the consumers eligibility for any of the following : XXXX credit or insurance to be used primarily for personal, family, or household purposes. 

Pursuant to the CFPB, the term consumer report does not include any of the following : XXXX. 
any report containing information solely about transactions or experiences between the consumer and the person making the report. 

XXXX, XXXX & EQUIFAX along with their subsidaires have blatantly disregarded this matter and continue to report derogatory information on my credit report such as LATE PAYMENTS and CHARGED-OFF accounts -that are transactions solely between myself the consumer and the issuer of the credit. This direct violation of the FCRA, has caused my credit score to tank/decrease more than 100 points, rendering me ineligible to apply for a mortgage and other credit related products. This matter has seriously impacted my life in a negative way, and hope to resolve this matter without seeking further legal assistance.
Product: Credit card or prepaid card

In XX/XX/2018 our XXXX XXXX XXXX credit card account was charged 3 {$150.00} charges related to fraudulent gift card purchases using our XXXX account. We immediately informed the company of the charges and they refuse to honor their supposed Zero Liability fraud protection policy and refund the charges. We've been fighting with them for 8 months now and they are continuing to charge late fees and interest during the investigation. They have also reported overdue payment on my credit report.
Product: Mortgage

I have started going through a hardship since me divorce was finalized in 2014. My ex husband stopped paying half of the bills like we were both accustomed to doing. I lost my XXXX after Making Healthcare Affordable Act was passed because those employers needed to make sure everyone had coverage or they had to pay a fine. After the last unemployment term for 2 weeks, I found a job working at a XXXX XXXX making {$XXXX}. This salary barely covered filling my car 's gas tank weekly. I was able to pay certain bills but not all of them. After working there for 4 months, I found another job making more money. I started getting caught up on the bills and 3 weeks later, the job ended. I found myself unemployed for two more weeks. I did finally found a job making more money and now i am trying to get back on track. I had did a Loss Mitigation package three times and every time I leave voicemail messages for the XXXX contact people I have, no one never returns my calls. I need an answer because I want a resolution that will be fair to me.
Product: Debt collection

They are failing to validate debt in which they said was mine. i have tried several times but what they are sending me is not debt validation letter
Product: Credit reporting or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. The INCORRECT Address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.