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

Around XX/XX/2024 I was made aware someone used my information to try and open accounts. I also was made aware other accounts were open and sent to collection. Original account holders are XXXX XXXX XXXX of Texas, other account is XXXX. XXXX XXXX is another account that was done fraudulently.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account : XXXX  XXXX XXXX Balance {$1000.00}
Product: Debt collection

They refused to stop calling me. They have even called my sister, who is not responsible for the bill. Lied and said they only called her once, when they called her three times. Tried to ask for a physical bill to ensure they arent scammers and they absolutely refused. Called from several different numbers to make it look like they were someone else. The person was extremely rude and unprofessional.
Product: Payday loan

I received a call today from a private number, he said his name was XXXX XXXX and he was calling to make an appointment to get documents signed. When I asked what the call was about, he gave me a number to XXXX, # is XXXX with a reference # also. 
When I called them, I was told it was for a payday loan, I told them I had never taken one out with spotloan. They proceeded to tell me if I did not make an arrangement for {$100.00} today or a payment of almost {$900.00} today, they would take me to court.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE ADDRESSES AND ACCOUNTS AND BANKRUPTCY I AM A VICTIM OF A DATA BREACH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Mortgage

My issue started back in XX/XX/2023 when my income was declining and I missed my mortgage payment, after contacting Shellpoint Mortgage for a repayment plan I was advised to send documents for several months, first I was advised by them that I did not qualify and I had to apply for a modification. I have been sending them documents for 5 months and every week they come up with a new list, the Rep. from Shellpoint does not do a complete review of my application and keeps adding new items to set me up for a failure, I have been advised that they have a complete file and now I just received a new list asking for documents that I have provided from day. I feel discriminated by Shellpoint Mortgage on process of my request.
Product: Credit card or prepaid card

What Im seeking is a meaningful review of the substance of my complaint with Capital One credit card resolving my dispute of fraudulent movers in XXXX of 2023. XXXX XXXX XXXX that took my deposit but never moved me & with XXXX XXXX XXXX  who over charged me & delivered broken & smashed items. Under the circumstances I feel a through review of the documents that I sent on this dispute is most applicable. Capital One sent me a letter saying I didnt comply with in their time frame, which was due on their part of sending me a defective link every time for my papers & proof that didnt go through but was never told, which caused major delays in the process. Now they said its too late. I asked them over & over to review the case but they refused. I also talked with a Supervisor on this matter & she said she couldnt go any higher to resolve the situation. Please review all my notes & paper work that Capital One has & you will agree I was not treated fairly in this matter!
Product: Checking or savings account

I opened a new Choice Checking account through HSBC 's web site link that offered me a {$200.00} bonus if I deposited {$1500.00} within 30 days and keep minimum balance of {$1500.00} for 90 days. Since I had an existing old account from years past with a balance of {$.00}, I contacted HSBC customer service through the Chat option on their website. I was told ( have copy of the Chat ) that the rep would close the old account and I could proceed with opening the new account and I would qualify for the {$200.00} bonus. So I did exactly what the Chat representative told me to do. It has been over 4 months since I deposited the {$1500.00} in the new Choice checking account. I have opened 2 cases with customer support on this issue and the last case is # XXXX opened on XX/XX/2019. Each time they ask for additional information which I give them but they close the case without contacting me or asking for any other information like a copy of the Chat which supports my claim. I believe they are intentionally trying to defraud me and not honor the {$200.00} bonus commitment they made to me. Today I requested a transfer of my balance to another financial institution and will proceed to close the account once the transfer has completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. I filed a complaint in regards to my XXXX XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by XXXX. To date my complaint in regards To the XXXX XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, XXXX, XXXX and Experian, XXXX for refusing to report my XXXX XXXX XXXX card ending account # XXXX. In my complaint I did not say XXXX XXXX credit card handled by XXXX I specifically wrote in my complaint that XXXX is refusing on report XXXX XXXX XXXX card ending account # XXXX. 

Instead of XXXX properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my XXXX XXXX XXXX card, XXXX used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my XXXX, Experian and XXXX credit report and noticed they are inaccurately reporting my XXXX XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted XXXX or the three credit bureaus and disputed XXXX XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold XXXX accountable. 

I want CFPB to investigate XXXX fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by XXXX. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX 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

My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about XXXX XXXX  XXXX My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}
Product: Checking or savings account

BOA closed my account after receiving transaction disputes claim on XX/XX/XXXX. It was stated that I would receive balance on account after disputes were settled. They were settled and on XX/XX/XXXX received letter stating XXXX was permanently back in my account and again that was XX/XX/XXXX. Spoke with BOA today and they said my account balance is only about XXXXXXXX XXXX and that it was being mailed. If my accounts were closed in XXXX and I had XXXX credited back to my account? Then if account was closed in XXXX like boa said the how did my account get charges of XXXXXXXX XXXX after XX/XX/XXXX? To me this is simple theft and being the CFPB did nothing to help me the first time I expect that again here. My bank stole money from my account plain and simple. Again, knowing CFPB is lazy and did nothing before but helped boa rip me off, I expect them to do it again here. Only doing this as a formality so I have paper work to show and recordings of phone calls for Washington State Attorney general and lawyer. Again I will thank you for nothing CFPB because you and I both know you help banks XXXX over the small business guy and this complaint and my last complaint prove it. America truly does XXXX.
Product: Credit card

The boxes I checked above are as close as I can get to my complaint, but they are not accurate and I couldnt leave them blank. I was scammed by XXXX XXXX  who spend their time ripping American people out of their money. They took over my computer, transferred money from my credit card to my checking account then transferred some back to my credit card, they changed my password so I couldnt get into my account to see what was going on. They told me I had to purchase gift cards to pay back {$4000.00} that they said I took from their account. I panicked and did what they told me. Not at any time while they were moving and changing my account did I get a message from Wells Fargo for security codes like I do with all my other accounts I have. Finally XXXX hours later someone from Wells Fargo called my husbands phone and told him we were being scammed. It was too late by then. I know I should not have listened to them but they were so convincing that I had taken their money. I wrote to your offices and talked to XXXX different people but got no results. I closed all my accounts with WellsFargo and am so thankful I did. I opened checking and credit cards with XXXX other large banks and their security is tight and checks me all the time. I also know that you have insurance to back customers when they are scammed out of money, but your bank did nothing to help me. I wanted to let you know after the fact. I have never gotten over this {$3300.00} loss to my account and knowing how I allowed those people to hurt me and my husband. I continue to get scamming emails daily from these ruthless people, but now I have enough sense to erase all emails and texts from them. I only hope that your present customers are protected by you more securely than I was. When I hear negative things about Wells Fargo I chuckle and am thankful to not be doing business with you. You can check my dealings with you if youre interested. Im sure my info is still in your system. I was a customer for many years. I even had a large mortgage with you. Thanks for listening!!
Product: Credit reporting or other personal consumer reports

I am writing to report what appears to be double jeopardy in debt collection practices involving XXXX XXXX XXXX and XXXX XXXX XXXX. I incurred a debt with XXXX XXXX XXXX, which was subsequently sold to XXXXXXXX XXXX XXXX without prior notice or consent. This has resulted in overlapping collection efforts by both entities, potentially violating the Fair Debt Collection Practices Act ( FDCPA ) and raising concerns under the Consumer Financial Protection Act ( CFPA ). I request that the CFPB investigate whether XXXX provided proper notice of the debt sale, assess XXXX 's compliance with the FDCPA and other relevant laws, and determine if any unfair practices occurred during the debt transfer and subsequent collections.
Product: Credit reporting, credit repair services, 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 15USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  : # XXXX 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 an 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 any other adverse item of information, other than record by more than XXXX 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

Every month I have to file a dispute with XXXX and experian they do an investigation and then remove XXXX from my report. The next month it 's added back to it. I have sent information that this is n't mine and I have sent a letter of debt verification to XXXX asking for verification that its mine. They have yet to respond and its been at least 60 days. I 'm tired of it popping back up it drops my score over 100 pts every time it shows up.
Product: Debt collection

When I saw there was a {$840.00} negative account on my credit report when attempting to purchase a house inXX/XX/XXXX, I notified the credit bureau that I was not aware of this charge on my account. Subsequently the creditor ( Midland Credit Management Inc. ) sent me a response on XX/XX/XXXX stating that they were unable to determine the nature of my dispute and denied that their records were incorrect. Phone calls continued to come to my home phone, letters requesting payment of the debt and eventually they filed a lawsuit against me. My only issue with this all is that they expect me to pay for a bill that someone from Mississippi made. I have never lived in Mississippi and do not know anyone who lives there therefore did not feel I was obligated to pay this debt. My court date has now been set for XX/XX/XXXXand I have to put time and money into a debt that I did not make. Can you assist?
Product: Credit reporting or other personal consumer reports

Please check the information concerning the TransUnion data beach below in attachments.
Product: Credit reporting or other personal consumer reports

Charged off account is still on my credit hence it being passed the statue of limitations. I filed a dispute with the credit bureaus and nothing was done accept my account was updated and information was not removed.
Product: Checking or savings account

I XXXX XXXX HAVE BEEN A VICTIM OF IDENTITY THEFT AND REQUEST FR MY CREDIT FILE TO BE CLEARED OF ALL NEGATIVE ACCOUNTS AND INQUIRES ASAP PER TITLE 15 SUBSECTION 1681 A THROUGH Z PLEASE SEE ATTACHED NOTICE FROM DEFERAL BUREAU OF PRISONS
Product: Credit reporting or other personal consumer reports

Exeter finance brought my vehicles loan from XXXX XXXX XXXX to refinance my vehicle after doing so Exeter finance had started my vehicle loan from the very beginning, making me have to repay the vehicle as I had just bought it from them showing that none of my prior payments went towards anything after talking to them about this they told me this was perfectly after refusing to pay. They repossessed the vehicle and charged it off, damaging my credit report and reporting fraudulent reports
Product: Mortgage

The principle balance shows an incorrect XX/XX/XXXX balance of {$48000.00}. The amount should be in the {$4700.00} 's, as the balance was {$47000.00} in XX/XX/XXXX.
Product: Debt collection

I am writing to formally dispute the validity of a debt claim made against me. XXXX XXXX XXXX ' email dated XX/XX/XXXX, at XXXX XXXX CT, referenced an alleged debt of {$390.00} purportedly incurred on XX/XX/XXXX. 

I assert that this claim is erroneous. This matter was previously settled with XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) and adjudicated by the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID : XXXX, dated XX/XX/XXXX. As per the resolution provided by XXXX in response to this complaint, it was concluded that, " On the strength of the documentation provided, we have ordered the account deleted from the credit bureaus. '' Enclosed with this communication, you will find copies of the relevant CFPB complaint and the formal response from XXXX, which substantiates the resolution of this matter and the directive to delete the account from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXXXXXX This account is not only incomplete, it's inaccurate. 

Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? 
Why isn't XXXX XXXX isn't reporting any payment history at all? 
How can I be on time in XXXX of 2021 with XXXX but 30 days late with Equifax? 
How can I be 30 days late with XXXX and 60 days late with Equifax in XXXX of 2021? 
How can I be 60 days late with XXXX and 90 days late with Equifax in XXXX of 2021? 
How can I be 90 days late with XXXX and 120 days late with Equifax in XXXX of 2021? 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting. 
This has caused me to suffer and its defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I terminated from the XXXX XXXX for receiving a further investigation report saying I was arrested for battery in XXXX in XXXX XXXX. Less then a week prior I received a letter from General Information Services saying after a deeper look into my background they found XXXX XXXX XX/XX/XXXX was XXXX  for XXXX. They failed to verify my legal middle name which is used all over the report showing I was never arrested. They did not verify a place of birth a social security number. I was told I had to dispute the background report with the reporting company to get my job back. I did enter a dispute and received their response on XX/XX/XXXX. Stating they called the XXXX County, NV Justice Court and confirmed the information in their initial report needs to be updated and they removed that case from my background report. 

I notified the XXXX XXXX and the said they didn't have to hire me back because I was in my probationary period. That I could not have my job back. I would have to reapply if there is an open position in my area and start all over again. I am now unemployed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK/XXXX XXXXXXXX
Product: Credit card or prepaid card

XXXX XXXX. Goldman Sachs Bank will not accept and is unable to process applications with a Real ID Star. I have made dozens off attempts and have received zero acceptance. Apple does not have a work around no paper nor do they have the ability for human intervention to process the application. WWW.DHS.GOV the  department of homeland security requires everyone who travels by air by XX/XX/2020 will be required to have one of these ID cards. I am an airline pilot so I have upgraded to the new ID. Yet XXXX and Goldman Sachs are discriminatory to those who are in compliance. This is also a strike against American Ideals through liberal politics. The foundation of a real ID is that it is secure and your citizenship is verified. This company is creating consumer demand through a product it credit card then limiting it to only those who have delayed compliance with a Department of Homeland Security Mandate.
Product: Mortgage

My home was permitted by the mortgage servicer to enter forbearance in 2020 because of the public health crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis 4 years ago report only 4 pages. This year XXXX page report. So many steps trying to get this report. Duplicates of everything. Has email 's not belonging to me. Has people living in my house that does not. Has me living in places I have not. Shows a wrong SS number in a place it said I lived. Shows this day that I have a XXXX  driver 's license and a XXXX  license. I turned my XXXX  driver 's license to DMV in XXXX XXXX in Florida when I moved in 2002 from XXXX  to XXXX... Entire report so off. You can't deal with this company without hours involved. I putting a freeze on them in releasing my information. This is hurting me. Just want them to correct all information before I remove freeze. A very bad company that does not check correct information before listing on credit reports how in 4 years you go from 4 pages to 134 pages. Wrong information and duplicate information Thank you XXXX XXXX