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

What happened ( statement of pertinent facts ) : I am filing this CFPB COMPLAINT to report XXXX separate fraudulent accounts appearing on my consumer XXXX XXXX reports which I do not recognize as reported and which are the result of identity theft and fraud. My property XXXX was used without permission in fraudulent credit transactions and in commerce. 
Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : XXXX ( Private SSN ), Consumer Date of Birth : XX/XX/XXXX ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Equifax/Experian credit reporting agencies , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX BANK XXXX XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ( private ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), and collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal credit card account opened at CREDIT XXXX XXXX XXXX and a XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX BANK. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) as proof from the XXXX 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

I have a medical collection on my report that is not mine, account # XXXX. I have disputed this information with Experian several times since XXXX this year and the collection agency ( XXXX XXXX XXXX ). I have send certified letters and requests to validate the debt and remove it from my report as it does not belong to me. Experian is failing to delete and re-investigate the collection. Experian keeps stating that " They have contacted the furnisher of the information and verified the account ''. The furnisher can not verify the account and because of that they have closed the account. I have filed complaint against XXXX XXXX XXXX ( XXXX ) through CFPB case # XXXX. XXXX is stating that they have closed the account and send the request to delete to Experian. I have disputed the information again with Experian on XXXX XXXX, 2015. Experian fails to re-investigate and delete. Experian continues to report false information on my report.
Product: Credit card or prepaid card

I am extremely devastated, embarrassed and damaged by the shameless actions and decisions that Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX have made against me and my family. I was discriminated against. I, consumer, beneficiary and natural man was denied an extension of credit when in good faith applied for an extension of credit. I applied to use credit for my personal, family and household use. According to the Equal Credit Opportunity Act it states that it is unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction- because the applicant has in good faith exercised any right under this chapter. Not only a federally protected consumer was discriminated against, this company violated their fiduciary duties as trustee in which I, the beneficiary sent a notice of breach on XXXX in accordance to the uniform commercial code. I receive no adequate consideration as I provided this company with my trust documentation and all XXXX XXXX evidence to conquer that I am claiming what is owed to me. Goldman Sachs Bank USA and Apple 's deceptive business practices has stressed my family and I and has caused us a great deal of mental anguish in which I needed that credit line to move my family out and Goldmans Sachs Banks shameless decision has left us XXXX. I have proof and certified mail receipt to show that I tried to rectify the matter and multiple calls and this company decided that they should act with unclean hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Product: Debt collection

* PHOENIX FINANCIAL SERVICES LLC, Continues to attempt to collect a debt from the consumer XXXX : XXXX via the mail on XXXXand numerous other times causing severe pain and sufferings and, violating Consumer Federal Law : *15 U.S. Code 1692c, Communication in connection with debt collection *15 U.S. Code 1692j - Furnishing certain deceptive forms , - on three different dates. 
*15 U.S. Code 1692e.False or misleading representations *15 U.S. Code 1692d - XXXX or XXXX
Product: Vehicle loan or lease

Santander consumer USA I purchased a car from them and I paid on it for 4 years regularly, and I eventually sold the car because of mechanical problems. My new lender paid off the loan, and there was Gap coverage remaining that was due to be refunded to me. The amount was, I believe, {$320.00}. It took a very long time for the check to be issued, and ultimately it was mailed directly to Santander who said that they held on to refunds like that for another 30 to 45 days " as a matter of policy. '' I used my debit card to dispute the {$320.00} out of the last payment because they were holding on to those funds. A few weeks later, they did send me the refund check and I cashed it. First, they called me and told me that I owed them {$500.00}. Then, today they called me saying that I owed another {$400.00}. I told them that I could see my way into paying {$320.00}, but not the other {$75.00}. And I told them if they wanted to get the money from me then they would have to take me to court or to mediation. The representative insisted that what I had to do was pay for XXXX and interest will still accruing otherwise. 

Attached is the letter that they sent to my husband, and he has been paying for the car the whole time but they wiggled out of answering the question with an excuse that he was not authorized to hear information. 

They called him on the telephone on XX/XX/XXXX at about XXXX a.m. and did speak to him about the " debt '' owed, but would not talk about any of the service charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint mortgagee is reporting a foreclosure on my credit report. I never had a mortgage with this company, never heard of them. I have never had a mortgage for the amounts or dates they are reporting. This inaccuracy is preventing us from getting a va home loan. I think they have something to do with XXXX. XXXX illegally foreclosed on my husband 's va home loan when they were not supposed to, but I don't understand where this shellpoint mortgage company is related to them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues within the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lacks of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit card

This is for a Capital One Quick Silver card. Due to the 120 days past due from me having XXXX  and multiple XXXX.My mom sent payments in manually to the mailing address for capital one. I had never been late prior to me having XXXX  and XXXX  in XX/XX/XXXX I had an exceptional payment history. I ask capital one as goodwill to reverse the 120 late reporting and they refused even though I had exceptional payment history with them. This is no way to treat customers that were sick/injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 12 missed payments. I would also like to add that since XX/XX/XXXX XXXX I've made all payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase , Inc., refuses to remove a reported late payment for unauthorized transactions that, were not only removed, but acknowledged that they failed to inform me in time. The merchant responsible for the unauthorized transactions has put in writing that they mistakenly charged the card and reached out to the bank to try to reverse them prior to the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX Furnished date : XX/XX/2020 Bureaus Reporting : Experian ; XXXX I was able to seek legal advice on cleaning up my consumer report, and noticed I have rights as a consumer granted to me by Congress. After studying I noticed this company along with several others have been violating my rights and taking advantage of me as a consumer.

Violations : 15 U.S. Code 1666b : Timing of Payments 15 U.S. Code 1681b Permissible Purpose of consumer reports 15 U.S. Code 1681e Compliance Procedures I reached out to this company with several attempts explaining how they are violating my rights by furnishing accounts without my consent onto my consumer reports, as well as directly ignoring my Congress granted rights. I also reached out to Experian and XXXX to dispute the account but the company ignored my request and did a subpar investigation into the situation that took only 1-3 days long. 

I am requesting this company XXXX XXXX XXXX XXXX XXXX to remove the account from my consumer report immediately. There is no excuse for ignorance of the law. I am not disputing the fact the account belongs to me I am simply requesting to keep the transactions and experiences by us private and to not be shared with any 3rd party agencies.
Product: Credit reporting or other personal consumer reports

Sent notarized letters to request for a thorough investigation of my credit report. Requested old addresses and names no longer used to be removed. But they remain. Requested information on how validation was acquired, and received no information regarding the method used to validate the accuracy of the report. Disputed online and sent three letters requesting the information, the last letter dated XX/XX/2023. The information requested was not provided. Accounts were removed from the report and placed back on again. Each agency reports ( XXXX, XXXX, and TransUnion ) reporting different information, ( i.e. last payment dates, open accounts showing closed on one report and charged off on another. Late payments of XXXX dates showing on one report and 150 days on another, or profit and loss ). This has caused me hardships and an inability to be able to acquire credit. Unable to receive a printed letter from TransUnion and can not access my report online without having to become a member.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XX/XX/year> and noticed some things are incomplete and not accurate. 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 accordingly according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In General, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, or modify that item of information, an item of the information is found to be inaccurate, 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 1681 s-2, they are supposed to not furnace 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 not accurate.
Product: Credit reporting or other personal consumer reports

There is an address listed on my report which is incorrect. I have disputed it on all 3 credit reporting agencies and been denied each time. The address shown is : XXXX XXXX XXXX, XXXX, WI XXXX I have never lived there. That is my XXXX 's address.
Product: Credit reporting or other personal consumer reports

I tried to finance a truck, as I was asking please if it's possible to run soft credit not hard XXXX, they promised, yes for sure we will do that after few days I was shocked when i saw my credit falling down around XXXX points, as i called them and I said why this is happened, as i got promised it will not, they said we are so sorry we will come back to you, until now they didn't. 

otherwise, this happened for me before 1 year with another company for the same reason they were lying, and they run my credit hard without asking me even I told them what i need. 

so please with my highly respect and if there is a chance to remove both of this inquiry from the dealers that I go it unfairness..
Product: Credit card or prepaid card

I have a Lexus Comenity Credit Card. Last month my minimum payment was {$140.00}. I have set my autopay at a fixed amount of {$200.00}. I have made NO PURCHASES since my {$200.00} payment. NOW my minimum payment on my next statement is {$200.00}. Why? Because the interest rate went up from XXXX XXXX ( which is criminal ) to XXXX XXXX ( which is even MORE CRIMINAL ). I was NOT given XXXX days notice of the interest rate being raised and even if I was notified, if they keep raising the interest rate after I make a payment to lower my balance, I will NEVER get my balance. This is deceptive and fraudulent. Comenity is taking advantage of me and probably thousands of other credit card holders. It's ridiculous to charge a higher interest rate, when I made a purchase at ONE interest rate, and it goes up when I made NO PURCHASES. 

This kind of business practices is deserving of a class action lawsuit.
Product: Mortgage

My GMFS mortgage was purchased or transferred/taken over by XXXX XXXX. I had bill payments set up in XXXX XXXX Checking account. When I received noticed that payments would need to be mailed to a different location, I first verified that in fact it was being transferred. Then I went into my XXXX XXXX online bill pay and changed the address and name for future payments to be sent to the new mortgage holding company. This edit was made by me within bill pay between XXXX XXXX, approximately XXXX weeks before the XX/XX/XXXX scheduled payment. My bank, XXXX XXXX, did not complete my updates and instead wired mortgage payment to XXXX, XXXX address. XXXX XXXX, I receive a notice from XXXX XXXX that I was behind by XXXX payments. They had not received XXXX nor XXXX payments. I made an additional payment on XX/XX/XXXX, so my mortgage would not have late fees. I contacted and filed complaints with XXXX XXXX multiple times to try to resolve the issue of the missing taken from my account XX/XX/XXXX payment. I have called the new mortgage company XXXX XXXX multiple times to try to resolve the issue. XXXX XXXX tells me XXXX had XXXX days to forward funds. Last time I called XXXX had forwarded the XXXX XXXX payment, but not the XXXX payment. XXXX days has passed. I have also been told that I should contact GMFS. However, the numbers given do NOT answer. There is NO one to contact at XXXX. XXXX XXXX has NOT taken responsibility for trying to get my money back when they made the MISTAKE of NOT updating the payment information that I updated in XXXX well before the XXXX payment. XXXX is ILLEGALLY holding on to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies on my credit report several times. None of them will remove their in accurate information from my credit report. I have reached out to their companies as well as I ask for information regarding the accounts that are associated with my name be removed from my account. I have paid these accounts in full. These accounts on my credit report were supposed to be took an off after making all payments in full. This is what the companies customer service representative and specialists are saying, but nothing is being done. I asked for documentation of these accounts, and the results of the paid status, and the removal of these accounts from my credit report they are not sending me any documentation and they are not removing them from my credit report as they said they will do so. They are reporting back to the credit bureau that they are refusing to remove this information and they will not reach out to me about why they will not remove this information as it is a resolve situation, prior to their agreement to remove. I pay all accounts off in full and on time. I should not have to suffer the inappropriate behavior of these companies lying to the consumer as they continue to promote negative credit status against the account holders.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, My wife and I discovered some accounts on our credit report that did not belong to us, we I did not open any of them, since then we have been dealing with an issue with Identity Theft. On XX/XX/XXXX, we individually to started to dispute these accounts with the Credit Bureaus, after a few months, on XX/XX/XXXX, we went to file an Identity Theft Police Report, after a few weeks we got the report, since then I have been disputing these accounts over and over with the Bureaus, unfortunately, there is still an account remaining that for some reason the Bureaus refuse to remove, even that I have that account listed on the Police Report.
Product: Debt collection

Remove the fraudulent accounts from my credit report now! Other bureaus fixed it, and the creditors agreed, but yours is causing damage to my credit. Investigate and fix it immediately, or I'll take legal action. Give me written confirmation once it's done no delays! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.
Product: Debt collection

I was a victim of identity theft, my information was stolen and used to open a credit card during a time I was incarcerated in prison. I became aware that I was in fact a victim of identity theft after checking my credit report last year, I filed an official complaint and identity theft report with the Federal Trade Commission and placed fraud alerts through all three credit bureaus, I also called the companies that the fraud occurred at telling them what had happened and providing them proof that I was incarcerated during a time when the accounts were opened, and sending them copies of my FTC report in hopes that I could begin to repair my credit. I was successful with removing all fraudulent accounts EXCEPT for XXXX XXXX XXXX. I sent them certified mail several times providing them with evidence that the account did not belong to me and asked them to stop reporting the fraudulent account to the credit bureaus and to remove it from my credit report, but it has continued to tarnish my credit score and remain on my credit report. 

Then just a few months ago I received a " Summons and Complaint '' from a company called Messerli & Kramer Attorneys at Law representing XXXX XXXX XXXX I contacted them and spoke to someone who asked me to fax all supporting documents to them in which I did but every time I tried to fax to the number they gave me it would not deliver so I called back again to explain to them the issues I was having but it continued to go to voicemail. I never got a call back and still continue to get a voicemail every time I try calling so than I decided to mail them everything I was trying to fax and I have proof of mailing it to them because it was certified mail. It's been almost a month now since sending them certified mail and I have yet to get a call from anyone and still continue to get voicemail every time I call. I have done everything and anything possible to get this removed and just don't know what to do at this point. I'm extremely upset and frustrated that this is still a battle to remove from my credit report.
Product: Debt collection

Commonwealth Finance is reporting a debt from XXXX XXXX XXXX in XXXX. I have not resided in Florida since XXXX. I have disputed this charge several times in which they have refused to remove from my credit. I did not XXXX XXXX XXXX XXXX any time since XXXX. If this is my account then Commonwealth has retolled/reaged this debt which is a violation of FCRA. I am requesting this be removed immediately.