23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was a victim of fraud! Not only did someone hack my bank account but someone also opened up fraudulent cards in my name. I contacted one company in particular which was XXXX XXXX ; and they notified me that they made a big error and The credit bureaus have also been in contact and have failed to correct the issue. This is in direct violation of the FAIR CREDIT REPORTING ACT 605B, 611, 609, AND US CODE 1681B The bureaus have not verified this information, they have not provided supporting documentation, nor have they blocked the fraudulent information from reporting to the credit bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : XXXX XXXX XXXX XXXX has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. XXXX XXXX closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XX/XX/XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Money transfer, virtual currency, or money service

Over {$10000.00} was transfered from my XXXX XXXX checking account to my Chime ( XXXXXXXX XXXX XXXX. and/or XXXXXXXX XXXX XXXX XXXXXXXX. XXXX checking account many months ago successfully. Since then when I attempt to transfer less than {$1000.00} or {$2000.00}, no transfer often fails to occur. Chime states that a transfer has been completed ( for three days-four days ). However, XXXX XXXX XXXX  customer service state that no transfer attempts are seen in the record. 

I need the {$10000.00} in my XXXX XXXX checking account for XXXX XXXXXXXX XXXX  staff can obtain foreign currency for me- for an upcoming trip. 

Thank you. 
XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contest of Complaint : This CFPB Complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-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 with in 4 business days of youreceiving this complaint. This fraudulent, inaccurate, and false information consists ofa personal credit card account opened at XXXX XXXX on XX/XX/XXXX under theaccount number ( XXXX ) an auto loan opened at XXXX XXXX on XXXX XXXX the account number ( XXXX ). Personal Credit card opened on XXXX on XX/XX/XXXX under the account number ( XXXX ). PersonalCredit Card opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), Personal Credit Card opened XXXX XXXX on XXXX XXXX the account number of ( XXXX ), Personal Credit Card opened XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), Collection account opened at XXXX XXXX serv on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan opened at XXXX XXXX XXXX XXXX under the account number ( XXXX ), a collection XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of a consumer FICO credit report maintained by you which shows the aforementioned accounts, collections and hard inquiriesappearing on my consumer credit report maintained by you were not opened, madeor 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 theftCriminal 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, credit repair services, or other personal consumer reports

GM Financial has not reported my payments since XX/XX/2017 and I pay every month on time.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX I reached out to the original lender about my payments and lease on the car with XXXX XXXX. I went to the location I purchased it from and spoke with the XXXX XXXX. He told me the location was closing and the new lender would reach out to me so I can resign my contract with them. After XXXX and a half years I never gotten any new contract from the new lender, lease, renegotiations about the car. I never received any letters or correspondence letting me know who they were or that they were taking over the company and lease. After almost XXXX years they took my car and still never sent any notifications about it. I never signed a lease with them and I would like this delete off of My credit. I don't know this lender and when I called the number on my credit report in XXXX of XXXX asking if they have my car, they told me not. This is against the law for lenders without contracts or lease to report on my credit or collect a debt. I'm sure the car was sold and they never updated that either. They are reporting the original amount of my car which was {$9900.00}. I had over a year worth of payments from XX/XX/XXXX up until the car had gotten taken and none of those payments got account for or taken off my balance with the new lender. Please help me get this deleted off my credit. Since this is against the fair credit act.
Product: Mortgage

Hi, I certainly hope you can help as my home is in foreclosure with an auction date this Monday, XXXX XXXX. I 've been requesting a loan modification due to financial hardship for almost two years now from Nationstar Mortgage. I have been in my home since 2003. Today my attorney filed a strong suit against Nationstar LLC and XXXX XXXX XXXX XXXX. in the XXXX XXXX XXXX California , XXXX of XXXX XXXX, at the XXXX XXXX courthouse. I have now had my current attorney and a modification broker/agent I hired prior to him communicate with Nationstar non-stop during this time, and to no avail. Numerous and complete modification files have been submitted and none opened. All communications with Nationstar between my former agent with them, and my attorney with them, have been documented by us. Nationstar continues to ignore requests for pertinent and urgent information, claims time and again that they have n't received certain docs when they have, provides false information which depends on who you speak with there, and has sincerely provided no legitimate service or assistance in my trying to pay a modified mortgage which I 'm quite able and have been ready to do, and get my financials and credit back on track. I could go on but as the sale date is imminent, I 'm seeking any assistance they or you can help provide in stopping that action immediately, and just short of their causing additional serious damages to be accounted for in court at a jury trial and in class-action. I want no more financial stress and emotional hardship, and certainly would never be able to own and operate a licensed business in the State of California as they operate theirs. Nationstar has ignored the California Homeowner 's Bill of Rights in this case. Please help!
Product: Credit reporting

Equifax is showing XXXX bankruptcy 's on my file that do not belong to me. I disputed the information and Equifax claims to have verified the information on XXXX/XXXX/2015. I 'm requestingthat Equilfax actually verifies that information so those items can be removed from my file.
Product: Credit card or prepaid card

Fraudulent credit application without my knowledge or consent : On XX/XX/XXXX, I went to the XXXX XXXX branch of the First Technology Credit Union in XXXX, XXXX, to get a cashiers check. The teller asked me whether I was interested in extending my credit limit for my credit card. I declined that offer. She also casually asked if I still worked at XXXX, to which I replied that I now work at XXXX XXXX. 
She then asked me to sign for the check ( on the signature device ), which I received. I then left the branch. 

Two weeks later, I received a letter saying that my loan application was declined. Because I wasnt aware of any application, I went to the branch to find out what happened. 

After talking with the assistant branch manager and the application audit department, we found out that an application submitted for a credit limit extension on my behalf with a fictitious profile ( saying that I am a driver for XXXX with an annual salary of {$30000.00} ). 

We escalated the issue, and it was investigated by First Techs Internal Audit department. Still, besides a promised correction of the credit inquiry, which significantly impacted my credit score, it seems that no further action was taken. The teller who submitted the credit application still works in the same capacity. After raising the concern again with First Techs upper management, they, while claiming to do everything to regain our trust, suggested we could change to a different bank.
Product: Debt collection

I hat not had a Capital One account in over 15 years. I disputed with XXXX an they are believing this companys lies!
Product: Money transfer, virtual currency, or money service

Good afternoon, On the XXXX of XX/XX/2021 I made a purchase from a fraudulent website that advertised BBQ grills ( XXXX XXXX XXXX XXXX for a discounted rate during XXXX XXXX. They provided multiple avenues for payment, but I chose to use my PayPal credit account for the security purposes for {$140.00} USD. After the transaction was made, I noticed that my receipt was issued from a personal email address instead of the company advertised on the website. I immediately called XXXX and expressed that I felt it was a scam and requested for this transaction to be cancelled. I was informed that they could not cancel the transaction, however they would forward over my issue to the dispute department to rectify the situation. I was then provided credit for the transaction while the dispute department continued the investigation. On the XXXX of XXXX I discovered XXXX found this transaction in the sellers favor and informed me that I had been charged for the transaction of {$140.00} USD. I was told that the seller was able to provide a tracking number stating that merchandise had been delivered to my residence, therefore they ruled in the sellers favor. After speaking to multiple representatives on multiple occasions, I finally realized that I needed help with rectifying this issue. There were multiple red flags during this transaction that I felt XXXX should have been able to recognized to show this was a scam, and I was being honest with my dispute. I'm almost 100 percent confident that XXXX is not advocating for it's consumers as advertised. 

1. The Seller never indicated what was supposed to be delivered. The receipt states GENERAL MERCHANDISE, which is a RED FLAG. 
2. The Seller used 2 different email addresses during this transaction and dispute, when XXXX accounts are only supposed to be associated with 1 ( attached ). 
3. The fake tracking number that was provided states it was 2LBS, this was a website selling grills which would be much heavier than 2 lbs. 
4. Also, after continuously searching for help, I discovered an online thread that indicates that this is huge problem that facilitates around the way XXXX not protecting its customers. Ive attached the thread to this email. ( https : XXXX ) I am respectfully requesting your assistance in this matter. Unfortunately I have not been able received any assistance from XXXX or its representatives. 
Thank you in advance,
Product: Mortgage

In XX/XX/2021, I received a notice from XXXX XXXX XXXX, MN that not all of my RE property taxes were paid. I called BSI Financial and notified them that our property has 4 separate property identification numbers. I also notified them that 3 of the 4 RE taxes were not paid. I gave them the parcel numbers and was informed that I would not be assessed any penalty for this error. In XX/XX/2021 I received another notice from XXXX XXXX XXXX, MN indicating that the RE taxes for 3 parcels were still delinquent. I called BSI Financial indicating once again that they did not pay all of the RE taxes on my property and sent them information to their customer care email address. On XX/XX/2021, I called XXXX XXXX XXXX and was informed that 2 parcels still have outstanding RE taxes. 
I have 4 property ID 's : XXXX -- unpaid RE taxes of {$1200.00}, due before XX/XX/2021 XXXX -- unpaid RE taxes of {$2.00}, due before XX/XX/2021 XXXX -- RE taxes are paid XXXX -- RE taxes paid ( I paid these in XX/XX/2021 ) I have called BSI and have left two very detailed voicemail messages for XXXX XXXX, XXXX x XXXX with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Navy Federal Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I am a 100 % XXXX vet and therefore not subject to property taxes in the state of Michigan. I have communicated this to Mr. Cooper ( services for XXXX ) and provided all relevant documents. They have not adjusted it after multiple conversations with multiple representatives. They have me paying hundreds more than what I should be each month which is placing us in financial hardship. They even acknowledged they have received a tax refund from our township resulting from their escrow analysis mistake. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters out to the experian, XXXX, and XXXX disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to XXXX, experian, and XXXX and they are still reporting inaccurately. This has not been fixed
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

his letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 records of convictions of crimes which antedates the report by more than seven 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, credit repair services, or other personal consumer reports

In the notification to my recent credit report there is false reporting of repossession the tI have XXXX knowledge of. I've. This is a challenge for me to understand and in my failed countless attempts have not once received any accommodations to my disability and XXXX effort to help thoroughly explain the matter to me in which I am able to see exactly it is that I have done wrong. 

I'm concerned as to the bigger adversity that I am facing and that is the fact the reporting is costing my attempts to receiving housing. I've now in the past XXXX years have already been struggling as a victim to identity theft, breaches and so much more that this is truly making it difficult for me to give any more efforts towards my goals in receiving housing when this is the accepted false reporting that I know for fact is impossible and fraudulent. 

What are the necessary steps in order to remedy the situation and how might I be able to be of support?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX / XX/XX/XXXX, I engaged legal representation to help cancel a time share contract. We followed the advise of counsel and advised all 3 credit reporting agencies of the situation. We settled the issue with XXXX XXXX XXXX XXXX in XX/XX/XXXX and per Experian Credit report " credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage '' and the status date XX/XX/XXXX, loan amount {$10000.00}, Past Due amount {$0.00} and late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Experian currently shows that this account has 36 late payments which is false reporting. This is grossly negligent on the part of Experian. I filed my first dispute with Experian at the end of XXXX with little to no information provided regarding their investigation. No names, phone numbers, or addresses of the furnisher was provided. I contacted XXXX XXXX and they advised they had closed the account, the matter was resolved and was no longer reporting this account to the credit reporting agency. I have tried to file disputes online and their website state they are not required to conduct additional investigations.