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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The follow account have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and noticed some things are incomplete and not accurate. 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 ( XXXX ) 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.
Product: Debt collection

I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Checking or savings account

Claim ID : XXXX I am writing to formally request a reinvestigation of my dispute case regarding a purchase made on XXXX. The case was dismissed despite clear evidence that the seller provided incorrect shipping information, resulting in me not receiving the item. 

The documents submitted by the merchant include a falsified XXXX  tracking record, which appears to have been manipulated. However, XXXX also submitted their official documentation along with the seller 's documents to BOA. Since XXXX 's official records can not be altered, they accurately reflect the transaction details. 

A key discrepancy in the shipping details is as follows : The package was allegedly delivered to a ZIP code XXXX, according to the XXXX XXXX XXXX Tracking history. 
However, my actual shipping address at the time of purchase had a ZIP code of XXXX, as clearly recorded in XXXX official documentation. 
The seller manipulated the official XXXX document to conceal that the package was delivered to ZIP code XXXX by altering the address to XXXX. Additionally, despite the shipment not requiring a signature, the seller falsified the document to make it appear as if a signature was required and that the package was received. 

This inconsistency can be easily verified by reviewing the official XXXX document. Given that the XXXX XXXX shipping record has been manipulated, I am unable to understand why BOA dismissed my dispute without addressing this critical issue. 

I respectfully request that BOA conduct a thorough re-evaluation of my case, considering the discrepancies between the official XXXX XXXX and the sellers altered XXXX  documents. 

Please let me know if any additional information is needed. I appreciate your prompt attention to this matter. 

If you verify that the shipping address I requested at the time of my XXXX order is different from the actual delivery address, it will be easy to identify the issue. However, the reason my case was dismissed is due to the sellers falsified documents and BOAs inadequate investigation. 
I have attached the original Proof of Delivery ( PDF ) obtained from the official XXXX website for the tracking number in question. Additionally, I have marked the document submitted by the seller through XXXX as " FAKE DOCUMENT '' and attached it for comparison. Please review and compare the XXXX. 

Claim ID XXXX Claim amount {$1000.00} Claim ID XXXX Claim amount {$1500.00} Claim ID XXXX Claim amount {$2400.00} All three claims below involve the same seller and were dismissed for the same reason. Some are currently under reinvestigation upon request, and I am providing falsified evidence to support my case. I kindly request a thorough investigation.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations ; not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY
Product: Debt collection

Debt collector keeps calling me at my phone number asking for someone who use to have my phone number 6 years ago. Asked them repeatedly that I am not the person you are looking for. I got a new phone and number 5 years ago and am not this person at this number.
Product: Credit reporting or other personal consumer reports

I requested for the credit agencies to dispute the information back in XXXX got response in XXXX stating accurate response from creditor so asked the creditor to send the info never did told the credit agencies never got a response and they simply ignored it so I need help to get both companies to listen to me XXXX, XXXX XXXX, lexis nexis which never got a response the credit agencies wont gispute information If I do not get a letter from these reporting agencies need help
Product: Credit reporting or other personal consumer reports

I have been A victim of a data breach XXXX XXXXXXXX says it was open XX/XX/year> balance XXXX XXXX XXXX XXXX closed off charged. XXXX XXXX XXXX XXXXXXXX is reporting to my report as balance owed this not my account. DONT know of this company reporting to my report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed a fraudulent from ( XXXX XXXX XXXX XXXX  ) on my report I don't know what this fraudulent account is and it t need to be remove from my report because it's hurting my personal finance.
Product: Credit reporting or other personal consumer reports

Experian is refusing to block an identity theft XXXX XXXX  account from my credit file after repeatedly sending the information requested numerous times. Please take a look at their latest response and information they are asking for which was previously submitted on more than one occasion.
Product: Credit card or prepaid card

Every month for the past 6 months Ive been paying my credit card by the due date, yet I get a late fee charge every month saying I did n't pay the right amount by the due date. I have to write in and get a credit or call and yet the minimum payment includes the late fee amount. Another thing is that I lost my card and a new card was issued. well on my credit report it shows  XXXX  reports on the same card,  XXXX  for the lost card and  XXXX  for the new card. they  XXXX  have late reporting of 30 days but the problem is the first one that shows lates on a particular month is showing no lates on the replacement card account..this is happening on li ke 4 diff erent months ... I called and disputed this 4 times now and it has not changed either ....
Product: Money transfer, virtual currency, or money service

Ive sold a gold necklace through XXXX. Bought by XXXXXXXXXXXX  ( XXXX XXXX Order number : XXXX, Order placed on Friday, XX/XX/2020. Payment method PayPal Payment date Friday, XX/XX/2020 Transaction amount {$1300.00} USD Transaction ID XXXX I've shipped the merchandise, received confirmation of delivery in XXXXXX/XX/XXXX on XX/XX/XXXX. On, XX/XX/XXXX. Ive received an email of the buyer, stating that //XX/XX/XXXX- Hi XXXX I did finally receive the package today. My adress to XX/XX/XXXXXXXX  is just my US mail adress, and XXXX XXXX  is a shipping company who specialize in shipping between the US and the XX/XX/XXXXcountries, I live in XXXX - XXXX. That is why it took longer time before receiving it. I haven't opened the package, because I can feel that there is nothing inside. When we use a touch to light throgh it, can we see that there is only a paper there, no necklace '' // ( transcript of email exchange ). I questioned about it, for I had received the confirmation of delivery and questioned for I had sold a piece to XX/XX/XXXX not XXXX. She immediately placed a hold on the payment made through PayPal, even without disputing anything in XXXX. On XX/XX/XXXX I've escalated to the PayPal to resolve the issue. And made a complaint with FTC, made an IC3 Report as well, requested confirmation of delivery from USPS, and all the mentioned documents where sent to PayPal. The decision was made in XX/XX/XXXX, in favor of the buyer, and I've appealed immediately, having the decision reverted in my favor in the same day, and was told the credit would appear on my account in few days. On XX/XX/XXXX I got in touch one more time, for the credit still was not showing on my account, and was told that I had lost. That the decision was for the buyer. I once again questioned the decision, and explained, that I had not entered an international contract, and if I had the desire to sell to international buyers I would have opted to do so in XXXX, and that the buyer used of bad faith, when purchasing the necklace, knowing that she would have the merchandise exported in my name to XXXX, without my consent, that my part of the agreement I had entered into, was accomplished, I have proof from the USPS of the delivery of the goods, and that any responsibility she has assumed in forwarding the merchandise overseas, was not of my responsibility. But no one listens, or reads the documentation sent. I've requested even to speak with the Ombudsman, which they never gave me the contact. I still tried contact with PayPal over the phone - more than XXXX hours waiting - send messages on XX/XX/XXXX, XX/XX/XXXX. They promised to get back but it is not working. 

PayPal Case Not as described - claim Case ID : XXXX The buyer reported that the item they received wasn't as described. Weve placed a hold on the transaction amount until this case is closed. 
You escalated to PayPal Please I need your help.
Product: Mortgage

This is my third complaint regarding XXXX XXXX/ PHH Mortgage. The complaint is two-fold : 1. ) In their previous responses to my complaints, they always mention that they never received the paperwork I need to send them in order to considered for a loan modification. I have always maintained that I have sent in said paperwork via USPS and by emailing the address that they include " for faster processing '' in the forms I've filled out on several occasions. 
I always wondered, '' if I'm sending it, why are they always saying they never received it? '' Recently, I decided to find out what might be going wrong by sending the paperwork via email with tracking. By tracking the email, I am able to see every time someone opens it, and I am also notified if the email is forwarded and shared with others. The results of my tracking experiment were very disappointing, but shed new light on the overall problem I've been having with my mortgage lender. Thanks to my email tracker, I am able to confirm that PHH MORTGAGE and XXXX XXXX  have not opened ANY of the emails I sent them. It is important to mention that I am not just sending them to some random email address I found listed online, but that I am sending them to the email address ( XXXX ) that they put on the first page of the forms I've filled out and sent to them no less than 4 times. 
This explains why they claim to have never received this paperwork that would get the process of getting a loan modification or whatever kind of help I might qualify for. 

2. ) The second part of this complaint is due to a confusing notice I received from my lender that said that they were notified that I had not been paying my tax bills that I know owed XXXX XXXX/ PHH MORTGAGE {$2000.00} that they paid for overdue taxes on my behalf in order to " protect our interest in your property. '' This is fairly straightforward, but the confusing part is when I log on to my the site I make my property tax payments on and look at my account, there is absolutely no record of any payment for {$2000.00} being made by my lender or anybody else. I now owe over {$3000.00}, so I don't know what my tax bill for {$2000.00} is claiming to have paid on my behalf and trying to collect money from me for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1100.00}
Product: Vehicle loan or lease

Bank of America is stating that I missed a payment in the month of XX/XX/2020. And is reporting this late to my credit report. I made 2 payments in XX/XX/2020 after I came out of COVID deferment, that I had set up back in XXXX/XX/XX/2020 when COVID hit, thinking this caught up all my payments. I have had a death in the family, in my country of origin ( XXXX ) due to COVID ; I assisted with a funeral and, when I returned, there was a late pay on Bank of America auto loan on my credit reports. This is daunting, frustrating and out of my control with these people, not forgiving a mistake with a pandemic that was going on last year. I dont understand, how they can not remove a late pay from the credit report, as I have NEVER been late with my credit, with my account and I have advised them, that I can provide proof of all these events. This is unethical business practices as, Ive seen numerous people, have these issues rectified with their creditors. All I am asking is to remove 1 late pay, that was an absolute mistake, with me being out of the country and making the 2 payments on the statement attached. This is absolutely disgusting business practices, that keep people oppressed, when you CANT be forgiven for a mistake. I have spoken with several people and I have no choice but, to contact the CFPB, as a viable entity to address this circumstance. I have called and called, and this falls on deaf ears. Im trying to refinance my home and got a denial behind this cause, of this 1 late pay. I dont understand how a company of this magnitude can not assist their customers, in a time like this where everything is out of our control. I had a PERFECT payment history with these people and they have decided to not assist me with this matter. I hope that with this complaint, we can correct this issue and move forward from this so, that I can lower my mortgage and get a better rate. Im struggling as XXXX  been detrimental to my finances and I need this to be removed, to lower my mortgage. Please CFPB i hope you can be so kind to get to the bottoms of this and, maybe potentially, help these banks change their standards of dealing with their customers, in these difficult times. They have no problem charging interest rates and fees, then also want to prevent you, from being able to obtain better interest rates/loans/etc from elsewhere. This is a not the way business should be conducted. I have seen the majority of other banks, help my friends and family to remove late pays, fees, etc, due to these hard times and the only response for Bank of America is we only report accurate information. You are the Bank of America, and you are supposed to help Americans, not just take from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS NOT MINE XXXX AND XXXX YOU PUT A FRAUDULENT ACCOUNT UNDER MY NAME! Saying collections! NOT MINE THIS XXXX XXXX XXXX XXXX FOR {$140.00}!! I DO NOT HAVE THIS OR KNOW WHO THIS IS! Remove ASAP OR I WILL CONTACT A ATTORNEY
Product: Credit reporting, credit repair services, or other personal consumer reports

Never lived in address XXXX XXXX XXXX in XXXX XXXX CT ID # XXXX and ID # XXXX. 
last four of my social security is not XXXX. 
Never hold a name of XXXX
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Payment arrangements was established and payments was automatically withdrawn from my account each month. Account was satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false
Product: Debt collection

I am receiving numerous calls every day attempting to collect a debt, leaving messages on the answering machine that are overheard by my roommate. After leaving such a message on the answering machine XX/XX/XXXX at XXXX XXXX EST the collection rep then contacted my youngest sister on her cell phone, on XX/XX/XXXX at XXXX XXXX EST " and inquired about a possible new contact phone number if she could have said contact number ( request was denied ) then inquired of my employment status asking for the company name and telephone number ( was told that I did not work, the representative responded negatively with a XXXX XXXX ). In fact I have been receiving Social Security  XXXX since XX/XX/XXXX. According to The Federal Fair Debt Collection Practices Act, " collectors may not tell another person, other than your attorney or spouse, about your debt. '' This Collection Company maliciously and with disrequard violated my consumer rights by discussing my debt with a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the information provided to and supplied by https : //www.equifaxsecurity2017.com/XXXX, my personal information was leaked as part of Equifax 's major security breach that Equifax discovered on XXXX XXXX, XXXX and made public on XXXX XXXX, XXXX.
Product: Credit reporting

Trans Union is listing erroneous and fraudulent information on my credit report. I have written Trans Union before and sent them the original documentation, that proves the information they have listed in my credit file is fraudulent. Trans Union has XXXX name listed on my credit report that is not mine. Trans Union has XXXX account listed on my credit report that is not mine. Trans Union has XXXX addresses listed on my credit report, that I have never lived at. Trans Union has XXXX telephone numbers listed on my credit report that are not mine. 

I have wrote Trans Union before and sent them the original documentation by mail, showing this information is fraudulent and erroneous ; but Trans Union will not remove this fraudulent information. Again I sent Trans Union the documentation that proves that this erroneous and fraudulent information should not be listed on my credit report, and asked them to remove it. But, Trans Union will not remove it. I am so frustrated and need help! 

Fraudulent and erroneous Information listed on my credit report that needs to be removed XXXX. Name : XXXX XXXX. Not my name, needs to be removed. My name is XXXX XXXX XXXX. Fraudulent Addresses : A. XXXX. Never lived here B. XXXX. Never lived here C. XXXX. Never lived here D. 16 XXXX. Never lived here 3. Fraudulent Telephone Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Not my phone number. 

4. Erroneous/Fraudulent Account : A. Creditor : XXXX XXXX XXXX. Account Number : XXXX I wrote this creditor XX/XX/2016 and requested documents, contracts or agreements with my signature showing that I owe them monies. They never responded and they had 30 days from receipt of letter to send to me. Nothing, they sent nothing. But Trans Union somehow " verify '' this item as belonging to me. So XX/XX/2016. I request the same documents from the alleged creditor again, still no documents sent to me. So XX/XX/2016. I mail dispute to Trans Union again, and also asked them for copies of documentation they have, that they are using to " verify this account '', since the alleged creditor does n't have any contracts or agreement with my signature on them. Because by law, the alleged creditor is supposed to send me a copy, if I request it. If not the alleged creditor has violated the FCRA. Trans Union, sent me no documentation either when I requested it from them and Trans Union " verify the account again ''. Trans Union is not giving me a proper investigation and Trans Union is knowingly and willfully placing fraudulent and erroneous information on my credit report. As you know a consumer 's credit report must be 100 % accurate, my credit report is not and Trans Union is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report.