23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, the buyer that I sold XXXX XXXX XXXX to said that there was a claim on the transaction he did with me. He explained that he was not trying to get his money back from me, but he had his identity stolen after the transaction done with me. The total for the item was {$55.00} USD. I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX saying that I have a debt to pay for a total of {$71.00}, which makes no sense seeming that the total for the product was {$55.00}. I have called Paypal and XXXX and were both telling me that I had to pay for this unlawful debt, which I believe I should not. Seeming that I do not have my own product back in my hand, I will ultimately lose money in this action.
Product: Credit card or prepaid card

For the statement for the period of XXXX, I made a payment on the full amount owe based on the statement. on the next cycle the Capital One charged my interest on the balance from the date the statement closed to the date I made the payment, even that i make the payment before the deadline. 
Only credit card company that i know that makes this kind of ridiculous charges and practices.
Product: Debt collection

file police report with XXXX police no knowledge of accounts violates my cra, hippa and my consumer rights also sent the ID theft gov to the proper companies
Product: Mortgage

In XX/XX/2020 I began the refinance process with multiple lenders in an effort to secure the most advantageous terms. 

Prior to closing, on XX/XX/XXXX, Freedom Mortgage ( FM ) agreed to match terms of a competitor and include an additional {$500.00} lender credit. 

On XX/XX/XXXX I closed a refinance with FM. I did not see the {$500.00} credit on the closing documents. I asked FM, prior to signing, how they would resolve this. FM responded, letting me know that they could use the power of attorney included in the closing documents to make the {$500.00} change, or they could send me a debit card for the {$500.00}. 

Neither of these have occurred yet. 

On XX/XX/XXXX, after I followed up with FM, they let me know they would send the {$500.00}. 

On XX/XX/XXXX, after I followed up with FM, they let me know they would send the {$500.00}. 

I still have not received the {$500.00}, or a lender credit for {$500.00}. The most ideal outcome for me would be to have a {$500.00} payment directly applied to my principal payment. But honestly with all of this " run around '' I'll take the {$500.00} as a debit card, lender credit, or whatever is appropriate.
Product: Debt collection

I have made every payment and am ahead one payment but XXXX Myers, P.C have added XXXX derogatory items on on my report. I have made the payments cia money orders and have receipts to show it. The XXXX derogatory items should not be on my report. 
Also the settlement amount is {$2100.00} and they have the amount of {$4200.00} on my report. I have documentation to prove that via court records. I also have receipts for all payments made and as i stated above i am one payment ahead on this and have receipts to show for it
Product: Money transfer, virtual currency, or money service

-On XX/XX/2024, I received an email from PayPal XXXX according to which a client sent me {$370.00} for a consultation fee, to my business general email and notifying me that in order to receive the funds, I had to open an account with Paypal XXXX 

-On XX/XX/2024, following the Paypal request, I opened a new Paypal account to receive those funds.

-When opening the account, I initially listed my name ( as owner of the business, which is a single-member LLC ), and then I was offered to upgrade to a business account, which I tried.

-I then received an email from PayPal saying that I apparently did something contrary to the user agreement and that the funds were frozen for up to 120 days, -I contacted Paypal via phone and email, requesting a reconsideration of the matter. and the reinstatement of the account. I attached to my email a copy of my driver 's license and of the following documents related to the business : corporate documents, EIN number, and last XXXX bank statement.
Product: Mortgage

THEY ARE ATTEMPTING TO FORECLOSURE ON MY HUSBAND ESTATE.WITHOUT RESPONDING TO MY QWR NOR THEY FOLLOWING THE THE AGREEMENT THAT WAS FILED WITH UNITED STATES SEC. THE POOLING AND SERVICING AGREEMENT SECTION XXXX SAID ALL MORTGAGE TRANSFERS HAD TO BE MADE BEFORE THE CLOSING DATE OF THIS TRUST. THE ASSIGNMENT IS FRAUDULENT.
Product: Checking or savings account

On XX/XX/2022, my checking account was charged almost {$5000.00} between XXXX transactions all going to what looks like 5 different people in XXXX XXXX XXXX. 
The names are : XXXX XXXX, XXXX XXXX XXXX, XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX. 
On the night of the charges, I received automated calls from Chase and I denied 1 of them but the calls came in as I was on the line. I received multiple calls from chase and couldn't answer them at once. The next morning I woke up to all these charges and called the bank immediately. My debit card was closed and a claim was filed. I had no access to my money while this was happening and I awaited a new debit card in the mail. On XX/XX/XXXX, the charges were reversed and I thought everything was handled as these are clearly not my charges.This morning ( XX/XX/XXXX ) I was shocked to see another reversal and the fraudulent charges were placed back into my account leaving my checking account overdrawn - {$3700.00}. I again contacted the bank and was told that my claim was denied as these charges came from my phone using either a fingerprint or facial recognition. This is not the case at all as I have never lost my debit card or phone and I have no reason or any previous history of sending money to XXXX. This is putting a major hardship on my financial state as I am unable to pay my rent or put food on my table for myself or my kids. I'm willing to send my phone to any investigative agency that wants it but I need to get this figured out fast. I did have my debit card linked to XXXX XXXX but again, my phone never left my person and I swear on everything that is good in this world that I never authorized these charges. Please help!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute an inaccurate account being reported on my credit file by Equifax. Specifically, Equifax is reporting a XXXX XXXX XXXX XXXX account under my name that I have no knowledge of and has never belonged to me. 

I believe this issue may be linked to the Equifax data breach, as I have no association with this account and suspect it is a case of identity theft or erroneous reporting. I kindly request that this account be blocked and permanently removed from my credit report to prevent any further damage to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB WRITE-UP In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States | have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.
Product: Credit reporting or other personal consumer reports

Before publishing your description we will conduct a series of automated and manual reviews to remove personal information. The following example highlights the kind of information that we plan to remove :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  DC XXXX XX/XX/2023 Experian Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Fraudulent Account Dispute on Experian Credit Report Reference Number : XXXX Dear Experian Consumer Assistance Center, I am writing to inform you about a fraudulent account that has appeared on my Experian credit report. I recently discovered this account, and I am deeply concerned about the potential identity theft or fraudulent activity that may have occurred. I am reaching out to request your immediate assistance in resolving this matter and restoring the accuracy and integrity of my credit report. 

Account Information : Creditor Name : National Recovery Agency Account Number : XXXX Date of Discovery : XX/XX/2023 I have never had any dealings with the creditor listed above, nor have I authorized any account with the account number mentioned. The appearance of this fraudulent account raises serious concerns about the security of my personal and financial information. I want to emphasize that I have taken extensive precautions to safeguard my identity and prevent any unauthorized access to my accounts. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am formally disputing the legitimacy of the aforementioned account. I request that you conduct an immediate and thorough investigation into this matter to verify the authenticity of the reported account. Given the nature of the situation, I urge you to expedite this investigation to ensure the protection of my personal and financial interests. 

Enclosed with this letter, please find copies of supporting documentation that attest to my innocence and lack of involvement with the fraudulent account in question. These documents include identity verification, account statements, and any relevant communication with other creditors or financial institutions. 

I kindly request that you take the necessary steps to remove this fraudulent account from my Experian credit report as soon as possible. Additionally, I ask that you provide written confirmation of the actions taken to address this dispute and the subsequent updates made to my credit report. 

I understand the gravity of this situation and am committed to working collaboratively to resolve this matter efficiently. Please feel free to contact me at XXXX or XXXX if you require any further information or if there are additional steps I need to take to facilitate this process. 

Thank you for your urgent attention to this issue. I appreciate your commitment to accurate credit reporting and your assistance in protecting my financial well-being. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During COVID-19 pandemic crisis, a moratorium was supposed to be placed on reporting to credit reporting agencies. I had a crisis at home and had to check into a hotel, naturally I used my XXXX XXXX. They immediately reported the purchase to XXXX resulting in a one point credit reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX  XXXXXXXX XXXX del XXXX everything else on there is incorrect
Product: Credit reporting or other personal consumer reports

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to XXXX. I was robbed at XXXX point for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot XXXX to get a place to live, bank accounts or credit because of thus theft. please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 when l checked my credit report l saw that there are 5 different hard pull inquiry reports on XXXX.

1- XXXX XXXX XXXX 2- CARFINANCE.COM 3- XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX XXXX XXXX They are all unauthorized and without my knowledge and permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX payment in full XXXX XX/XX/XXXX talk to them about remove it XXXX XX/XX/XXXX call about remove it XX/XX/XXXX call about remove it XXXX XX/XX/XXXX call about remove it My brother pass away XXXX years ago he had a XXXX XXXX the car was total lost since I was a co-signer on the car I call them I pay in full I was told that they was going to remove the car from credit after I pay it off, well I pay the car off now its been 5 months they havent remove the car from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a reply to Bank of America, NA 's ( BANA )  response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that BANA had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, BANA signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX Circuit Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. BANA filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why BANA believes the loan first became delinquent in XXXX 2012. 2 ) Why BANA believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of XXXX XXXX  and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXXXXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX The account is showing that I was 30 days late. I have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

XXXX XXXX XXXX XX/XX/XXXX XXXX is {$8800.00} This account is show 30 day late. have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness.

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice that a company by the name of SageStream LLC is providing credit reports on me. 
1. ) First I am a victim of Identity them and I will not send them my personal information to obtain a copy of whatever report they claim to have. 
2. ) They are reporting to people a score of XXXX when the XXXX  and other agencies have my score at XXXX. 
3. ) I am a victim of identity theft and all three credit agencies have placed a security freeze at my request, this is a new agency that I have no idea who it is and may be allowing people to use my name and social!!! 

I was in fact approved for my requested loan once the dealership was authorized by me to access my credit score through XXXX which was XXXX, not XXXX as reported by SageStream LLC.
Product: Debt collection

A letter was sent to me to attempt to collect a debt for XXXX. I do not have an XXXX account and do not owe any money to them. When I called the number on the letter to try and resolve the issue a women who could not speak English answered the phone and attempted to gain additional information. 
Amount on letter attempted to collect is XXXX. The letter head reads AIC XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX. I submitted a complaint to XXXX and the authorities but want to report thus scam so others are aware.
Product: Credit reporting

XXXX XXXX has inaccurately reported to XXXX, Equifax , and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the XXXX XXXX Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XX/XX/XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.
Product: Checking or savings account

I have 3 accounts with Bank of America for many years. 2 business and 1 personal. Bank of America never supported our small businesses or had a dedicated person to provide guidance and proper services. Recently, I went online to see someone that I could talk to to check products for XXXX XXXX XXXX. It offered me a line of credit that works like a credit card with a limit under XXXX. I provided all the information for a pre-check, and I was informed that the product was the best offer. The information provided put the business in good shape for application. The manager checked it many times before applying. After the application, it was declined, with Bank of America offering not only the XXXX but nothing. Given that I had given all the information, I should have known if XXXX XXXX wasn't eligible for anything. I would like to understand the reason for approving nothing, and if this is not reversible, I want the hard inquiry removed from my score because I feel harmed personally and the business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( 52 minutes ago ) to XXXX In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a respect for consumers ' privacy rights. XXXX and Experian are prominent consumer reporting agencies, and I, as a consumer, possess the fundamental right to safeguard my private information. This right is fortified by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect customer privacy and protect the security of their nonpublic personal information. 

Within the framework of 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly outlined that any consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. Neither the financial institution ( referred to as " Furnisher of information to credit agencies '' ) nor the consumer reporting agencies, XXXX and Experian, have obtained my consent, written or otherwise, to furnish this information. 

Further, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. However, the Furnisher of information to credit agencies never informed me of this right, thus breaching this statutory requirement. 

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my consent, which is a clear violation of the law. 

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that no person shall furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes. XXXX and Experian appear to be in breach of these requirements. 

Lastly, as per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. In light of the aforementioned violations and concerns, I am exercising my right to opt out of your reporting services. 

In summary, the Fair Credit Reporting Act and related statutes emphasize the need for fairness, privacy protection, and consumer consent in the reporting and sharing of personal information, and I assert my rights accordingly. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.