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

These accounts have led to the deterioration of my credit score and have directly resulted in my current living situation in a shelter. The following collection accounts, which do not belong to me and were not authorized by me, have severely affected my financial well-being : 1. Account Name : XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$78.00} Date Opened : XX/XX/XXXX 4.Account name : XXXX XXXX Account # XXXX Balance : {$8800.00} Date openXXXX 5.XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Date open : XX/XX/XXXX Balance : {$380.00} The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter.

I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA.

I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation.

Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.
Product: Money transfer, virtual currency, or money service

To the best of my knowledge, on XX/XX/XXXX I have been targeted by a group of hackers/fraudsters who defrauded me of XXXX XXXX and XXXX XXXX 

I got an email from Coinbase in regards to the suspicious activity on my account. I then got a call from " XXXX, a fraud prevention expert from Coinbase '', who confirmed Coinbase had sent me an email. Coinbase locked my account, and XXXX confirmed my account and my information, then he asked me for the verification. 

Transactions were made by someone else before Coinbase locked my account.
Product: Checking or savings account

Regions bank charged me almost XXXX dollars over last year in overdraft charges. When the money had been deposited into account. They numerous changed transactions around to there benefit to be able to charge me. It would be days they would take process deposits but processed transactions instantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A IDENTITY THEFT AFFIDAVIT AND REPORTED THE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS, EXQUIFAX, XXXX AND XXXX. 
I MAILED THE AFFIDAVITS ON TWO DIFFERENT OCCASSIONS. I HAVE BEEN WAITING FOR 3 MONTHS. THOSE ACCOUNTS, ADDRESSES AND INQUIRIES ARE STILL ON MY CREDIT REPORT. 
IT DOESN'T TAKE 90 DAYS TO INVESTIGATE IDENTITY THEFT. I FEEL AS THOUGH, MY PAPERWORK HAS BEEN PUSHED ASIDE. 
THIS IS UNFAIR TO ME AS A CONSUMER AND VICTIM. 
I NEED HELP ADDRESSING THIS PROBLEM. 
THE CREDIT BUREAUS ARE NOT TREATING ME FAIRLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Complaint ID : XXXX. XXXX XXXX failed to provide investigation results to the consumer. XXXX is fraudulently reporting missed mortgage payments on my credit report during a period in which they did not own the loan. XXXX XXXX and XXXX are both reporting missed payments during the same time period. The servicing of your loan is being transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX will stop accepting payments received from you after XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX will start accepting your payments on XX/XX/XXXX. I am getting " double tapped '' by two different mortgage servicing companies. XXXX practices illegal credit reporting activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have a Nordstrom 's credit card and have used it without issue for a long time. Every month I get an email stating that my statement is ready, I always log in and pay the entire balance due, immediately. I get many emails, many of which are bills that I always pay on time and in full. During the months of XXXX and XXXXXXXX XXXX  I did not receive any emails from Nordstrom 's. I did not notice the absence of these emails, as if anyone would. The first I heard of any past due balance was in a letter from Nordstrom 's on XX/XX/2022. Upon learning of this, I immediately paid my balance due on XX/XX/2022. However, without any notice or courtesy contact, Nordstrom 's reported this late payment to all three credit reporting agencies on XX/XX/2022. On XX/XX/2022 I wrote a letter to the three major credit reporting agencies ( XXXX, XXXX, XXXX ) disputing this late payment. Also on XX/XX/2022, I sent a Certified Letter to Nordstrom 's disputing the information they gave to the credit reporting agencies. The actions take by Nordstrom 's have had a dramatic negative effect on my credit score which has created an undue financial hardship on me. I have reached out to Nordstrom 's in writing and by phone on many occasions. They have investigated and decided that their actions were accurate and will not remove this issue from my credit report. I hope that someone can help me fix this inaccuracy and keep me from being burdened by this simple little communication issue.
Product: Credit card or prepaid card

A person, who is in custody now, was using my account and cards to make purchases all over the country. When I finally gained access to my account in XXXX, the bank sent me my statements and to my horror, nearly {$120000.00} was spent by this individual. He was intercepting my mail as well and had replacement cards which is why my card wouldnt work. He had me locked out of my own account for months and attempts to have the unauthorized charges removed and an accurate statement provided have been denied repeatedly. This is flat out fraud ( he was arrested with a fake social security card of mine and with an old drivers license of mine, as well as all my bank cards ) and for anyone to deny a dispute is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retained copies of my credit reports in XXXX and noticed that XXXX XXXX XXXX placed a collection on Experian credit report in which XXXX claimed that I owe {$320.00}. I immediately disputed this item with Experian and XXXX as I have never done business with XXXX XXXX XXXX before. I requested that XXXX provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately, but XXXX was unable to do that. Over the years, XXXX has tormented me by calling and sending letters harassing me about this collection. This year XXXX, per the advice of my attorney, I sent XXXX XXXX XXXX and Experian a letter requesting removal of this item from my credit report because this Item was placed on my credit report on XX/XX/XXXX and according to FDCPA and Texas Finance Code Chapter 392 ( Debt Collection Statutes ) - The Texas Statute of Limitation for Debt Collection is four 4 years ; meaning XX/XX/XXXX made it 4 years. Texas is my home State. And Ive formally requested that XXXX XXXX XXXX and Experian remove this item from my credit reports by sending a certified return receipt letter to Experian and XXXX. But Experian has yet to remove this Item. I have maintained a careful record of my communications with Experian for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should Experian not remove this account from my Experian credit reports. 
I have reminded Experian and XXXX XXXX XXXX that they will be liable for willful non-compliance as per Texas Finance Code Chapter 392 ( Debt Collection Statutes ) and the FDCPA. Failure of Experian to remove this account from my credit report will result in a small claims action against Experian in a Texas court. I will be seeking {$10000.00} in damages for the following : 1. ) Violation of The Texas Finance Code Chapter 392 ( Debt Collection Statutes ) The Texas Statute of Limitation for Debt Collection.

2. ) Violation of the Fair Credit Reporting Act 3. ) Emotional Distress Experian will be required to appear in a court venue local to me in Texas. 
Sincerely, XXXX
Product: Credit reporting

For over a year, I have subscribed to Experian for a monthly review of my credit status. However, when I tried to get the information for the current and the last cycle, both of which were billed to XXXX XXXX, Experian claims that the personal security I provided is not the same as what I submitted originally. I have never changed that information -- my mother 's maiden name, my date of birth, my SS number, the name of my favorite teacher. I asked XXXX XXXX to remove the current charge and not to accept any more payments using my XXXX number, and they quickly agreed to do that. I intend to meet this week with my attorney to see what happened to my information, and how I somehow am being ignored by Experian. 
Thank you very much for any information and assistance you can provide. 
And blessings on XXXX XXXX XXXX for being the moving force behind the CFPB! 
XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXXXXXX
Product: Vehicle loan or lease

First off you XXXX XXXX XXXX XXXXXXXX because you never do XXXX and you won't do anything on this one either but the time is coming when I'm gon na be able to XXXX XXXX XXXX XXXX  just like the XXXX this complaint is against. 
This case pertains to Lone Mountain in XXXX, XXXX relating to my semi truck of which I have not missed any payments nor have I been late. Lone Mountain has illegally repossessed my truck. In the month of XXXX I requested a deferment. Typically, deferments are 30 day or until the next payment date. I at first spoke with the rep via phone. The deferment was granted but then they informed me that the payment date was too close so they couldn't process it. I was then instructed to file a stop payment on it. It's documented. I informed the rep that I would resume payment on XX/XX/22 as this was the same day as the insurance payment that their sister company had sold me during this time period. I wanted them both taken out on the same day as I was informed that the billing company was the same. Thus, the deferment was only 20 days. The next thing I know prior to the XXXX I was being sent notices via email that they were repossessing the truck and cancelling the insurance.This is totally illegal, and I am demanding my truck back. The payment for both the truck and the insurance were in my account and I was fully prepared to make the payments as conveyed to the Lone Mt. reps. I will attach email correspondence which confirms the stop payment. By law they are not allowed to repossess my truck under such circumstances. Now they are proposing to auction my truck off. This is discriminating and violates federal and state regulations. There have been other patrons that have requested deferment without any issues. They have no grounds as my payment record will prove. I didn't even receive a mandatory by law 10 day notice prior to their taking it. The term termination letter was sent after they had already repossessed the truck. Moreover they had no grounds to terminate the lease nor repossess the truck. The court hearing is over and there have been no charges or storage. Below is the party that started XXXX XXXX That doesn't however include what they did from XXXX regarding the harness and hacking the computer. 

XXXX Account Manager Lone Mountain Truck Leasing XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I bought furniture at XXXX XXXX. They delivered it with big damaged imperfections. They took it back, and sent me more unacceptable products. The dielivery men gave me a hard time. The customer service people said the second set of imperfections were part of the design, which was preposterous. I decided to return everything. I had paid for everything. I talked to their billing people, who agreed I had paid for everything, and that I had overpaid by {$55.00}. Then XXXX XXXX reversed their position, said I still owed them XXXX. I did not, so I cancelled/reversed the payment through my credit union. XXXX XXXX then illegally billed the XXXX XXXX credit card, which XXXX XXXX requested I open when I was initially going through the confusing procedure of trying to pay them, at the store when I finalized the purchase. I now believe they do this to make sure they have a way to get their money back from people who have disputes and problems. They have now illegally billed me XXXX in late fees on top of a {$55.00} charge that I did not owe them. I have tried negotiating with them, put the bills into dispute three or four times, and they keep coming back with a denied dispute. 
I have provided them with names of people I have talked to, what those people said, yet I continue to be ignored. When I tell them the names of the employees who gave verbal agreement over the phone, by several of their employees that I do not owe them the {$55.00}, this too has been denied. I offered to pay the {$55.00}, they refused. I offered to return the picture that they say I have not paid for. They refused. I asked for copies of all notes and correspondence, they say they do not have access to my records any more. I am not sending copies of all correspondence, as there is too much. No one at their company verifies any thing they told me, and they just keep adding more and more late fees. I do not know if they reported me to the credit bureaus yet, but my score has gone down. I am a senior citizen, and do not appreciate them taking advantage of the fact that they are abusing me via credit card fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been challenging a few accounts listed on my credit report with XXXX, XXXX, and Equifax for the past few months with no avail. 

The first letter from early XX/XX/2020 was sent to all three boroughs asking that they verify the accounts that were listed by providing the legal documents associated with them. They did not provide any documentation verifying the information within the 30-day timeframe, and also marked the investigation as complete. I was advised by XXXX and XXXX that the accounts will remain on the credit report because they had been verified. I sent a follow up letter requesting they explain how they conducted their investigation and it was not responded to. I did not hear back form Equifax at all. 

In addition to that, XXXX refuses to update my account to reflect my correct name, current address, employer, & phone number. I sent a letter early XX/XX/2020 and have also made a follow up call. The representative refused to advise how many addresses they have or where they obtained the information from. When advised that I had no issue with the other boroughs updating that information, the representative stated that it was because XXXX " is the best at what they do '' and " have the most accurate reporting ''. That call ended without my demands being met.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian deleted my XXXX  current but negative paid/closed most recent XXXX XXXX account on XX/XX/2020 without any reason to have done so and refused to contact XXXX   XXXX to have the paid/closed and current account reinstated so that I could buy another home between XX/XX/2020 and XX/XX/2020. 

On XX/XX/2020, I discovered through a FACTA credit report for Experian that an unknown social security was listed under my credit file and name, and Experian 's XXXX XXXX from Consumer Affairs, in the face of clear evidence, claimed he didn't see it and would not investigate this inaccurate identifier in my credit file, so that I may apply for a mortgage.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

NAVY FCU XXXX XX/XX/2021
Product: Debt collection

They contacted me at my place of work which is highly unethical and against the FDCPA in NJ. The name of the company contacted was Transworld System Inc.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The medical bill that they are reporting on my credit isnt mine. Ive told them already its not been numerous times and they just threaten me with the debt. This account doesnt belong to me.
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 15 USC 1681. 


Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights. 

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 or other personal consumer reports

It appears account was reported 30 days late XX/XX/XXXX last updated on XX/XX/XXXX. I applied for the accounts to go into forbearance or deferment status due to financial hardship. The account is currently closed. 

Equifax XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE is in violation of the GLBA for non-compliance to disclosures. They have been notified of the non-compliance of the " GLBA '' and they continue to willfully invade my privacy by disclosing my private- non public financial information. According to the Fair Credit Reporting Act, XXXX, XXXX XXXX XXXX, XXXX and CAPITAL ONE are in violation of GLBA in connection to non-disclosures and reporting my private non public financial information. I have also sent this complaint for non-complaince of the GLBA to the Texas State Attorney General.
Product: Debt or credit management

Lexington law as been charge overrated fees I pay 6 months straight for repair of my credit.
Product: Student loan

I called Sallie Mae on Thursday, XX/XX/XXXX, I waited almost and hour and half before I spoke to a live agent. After a one minute conversation with an agent I was transferred to a department that was closed and the call was disconnected. I called back on Friday, XX/XX/XXXX and told I was ineligible for forebearance, I had to keep automatic draft in order to remain enrolled in their hardship program. I was informed that if I took forebearance or took away automatic draft to prevent overdrafting my account I would not be able to enroll in the hardship program and my monthly payments would be {$4000.00}. I was informed that since sallie Mae is a private, they do not do income based repayments which is setting people up for failure!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.