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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 Theft Criminal Complaint ( XXXX, 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

The Experian credit reporting bureau had inaccurate information on my credit report that I disputed XX/XX/2106. XX/XX/2016, the bureau sent me a notice stating the information had been updated. There was no correction to the inaccurate information. When I filed a complaint against the creditor with the CFPB, the creditor reported additional inaccurate information. I requested to dispute the additional inaccurate information, and Experian denied the request. The company stated that the information had been verified and could not be disputed again. The Experian reporting system does not meet the standards required by the Fair Credit Reporting Act. The system allows the creditor to report inaccurate information about consumers over and over and over again. The coding system does not safeguard consumers from creditor 's retaliatory conduct. The creditor reported on my credit file that the account was charged off twice, and that it was a repossession 10 times. The coding system should define what is a terminating act by the creditor. If the account has been reported one time as a repossession then the system should not allow creditors to report the repossession again and again. If the account has been charged off then the system should not allow creditors to report it again and again. There is no way to protect consumers like me from violations by the creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX placed an account ending in XXXX with Transunion that was in repayment plan with XXXX. This creditor decrease my credit score in an unfair way that decreased my credit score by XXXX points. This was an unfair discriminative behavior, this account is in a repayment plan I made a payment just yesterday on XX/XX/2024. The creditor action with Transunion was not reasonable and an abuse/adverse to my rights regarding the FCRA. In comparison to a recent change to my credit report with this credit bureau Transunion today, this should not have been reported. The creditor is not reporting in accuracy nor in fairness. Another issue with the creditor in violation is that when we agreed to setup payment arrangements in XXXX the payments was supposed to be taken out on the XXXX of each XXXX. This creditor XXXX XXXX XXXX XXXX started to take the payments out on the XXXX and XXXX of XX/XX/2024 earlier than agreed which was a violation of our agreement. Now they reported this payment as a collection and I just made agreed payment as a with agreement not to be placed as a collection with payment plan. My credit score was unfairly decreased. I feel this type of action on my credit report was discrimination and negligent. Both parties failed to exercise the proper care to taken action in reasonable regards to my credit reporting information. This is negligent, unfair discriminant behavior because I have proof on making the arrangements payment of {$37.00} on XX/XX/2024. .This creditor should have given me enough time to pay off the debt. They just wanted to ruin my credit on purpose as a way to discriminate and be unfair towards me based on using my credit report. I called this creditor and they will not answer my phone calls because they know they violated my rights based on FCRA rules. This creditor didnt send me any notice they just reported information to be malicious.
Product: Payday loan, title loan, or personal loan

I purchased a new car at XXXX XXXX in XXXX California on XX/XX/2022. Everything was fantastic with the dealer themselves but for some reason there was an issue with the small remaining balance that I wanted to finance. I did not know at that time that Hyundai Finance rejected my application because it was eventually financed through another company. We recieved XXXX 's rejection letter today. I thought it was a joke. My wife and I have credit scores over XXXX. In looking at the explainations it looks like they used any fabricated reason not to extend credit to us. I do not know if this cost us by paying a higher interest rate or not. It seems that this company is very arbitrary in the way they extend credit and should be investigated.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX myacct was broken in to by a remote hacker and with draws from XXXX XXXX to Coinbase then transferred to another out side us company with out my athurization Then both XXXX XXXX and Coinbase have made me feel I didnt protect my accounts or phone and said to bad I want my money back and I want someone to help instead of blaming me or saying there is nothing they can do.
Product: Debt collection

According to the management office of an apartment complex in XXXX, XXXX. Someone using my name ( and a false spouse ) rented an apartment sometime during the years of XXXX to XXXX. 

However, I 've been living in XXXX, XXXX since XXXX XXXX. I have not lived in XXXX, XXXX since XXXX XXXX. And I 'm not married either. 

They 're using XXXX separate debt collection agencies to contact me, and have been placing negative marks on my credit report.
Product: Debt collection

Someone used my social security number to create a fraudulent account through XXXX during the dates of XXXX. XXXX - XXXX. XXXX and now I owe a XXXX bill that the EOS CCA collections agency purchased from XXXX. 

Years ago ( XXXX ) I contacted XXXX and was told by them they have no litigation on this matter since EOS CCA purchased the debt. I contacted EOS CCA and they told me I have to prove that I did not live at the address where the XXXX debt occurred ( XXXX XXXX XXXX XXXX XXXX XXXX and the tenants name XXXX XXXX during the fraud dates ) I sent mailed them the documents that proved I never lived at that address and the credit calls stop soon after that so I assumed it was resolved. 

I recently found out that they never resolved it and my credit is still being negatively affected. I called them once again today ( XX/XX/XXXX ) and they told me they never received any documents and that their data is showing this is the first time I have ever called which is untrue. They are mailing me a fraud packet that i must fill out and enclose a police report ( which I am currently working on ) and a written letter about the dispute and send it to them within 30 days. 

I am contacting the CFPB because I doubt they will remove the debt since they seem to lie or forget about all the calls ive made to them and the proof documents. At one point EOS CCA even accused me of creating the fraud telling me I could have given away or sold my social security number effectively implying that I am a criminal.
Product: Debt collection

Bebit was closed in XXXX  balance no payment was missing improper reporting to all 3 credit inquiries pls remove well fargo card service
Product: Mortgage

On XX/XX/XXXX, I was sent an email from what I believed to be a hardship counselor from my mortgage service provider Select Portfolio Services. The person on the email stated that he was sending the email to offer me a loan modification on my mortgage. 
I am behind on my payments and the email looked legitimate and had all of the proper company logos and the person even had all of my information. I even called the person who sent the email XXXX XXXX. XXXX XXXX on the phone offered me a loan modification lowering my monthly payments to $ XXXX from {$1400.00} and lower my interest rate from XXXX % to XXXX %. He stated I would have to make XXXX monthly payments on time each month and then the modification would be permanent. He even knew I was behind {$400.00} on escrow so that was added to the first XXXX payments. He sent me a link to pay the first XXXX payments via XXXX XXXXXXXX I didnt think there was anything wrong with this at the time, because a lot of companies are using online payment services. Well after XXXX months of making these payments, I received a call from SPS stating they have not received a payment from me in XXXX months. I explained to the person on the phone that I had and was offered a loan modification. The person told me that in her system there was nothing about a loan modification and I may have been scammed.

She patched me through to their fraud department and I told the fraud department representative everything I stated above and he told me to email everything I was sent via email from the suspected scammer. It took about a month. To get back to me but they confirmed I was a victim of a scam. 
He claimed there was nothing they could do and I was stuck losing {$4400.00}! This has put me so far behind now I am facing possible foreclosure of my house that I have lived in for XXXX years. I am on a fixed income because I had to take an early retirement due to health issues and am waiting for my permanent XXXX claim to be approved. Since then I received a text on XX/XX/XXXX that was a scammer offering me assistance and on XX/XX/XXXX I received another email similar to the email I received back on XX/XX/XXXX. SPS refused to work with me on the fraud and now Im in a struggle to avoid foreclosure on my home.
Product: Money transfer, virtual currency, or money service

PayPal - negative {$1000.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$1000.00} XX/XX/XXXX Transfer There is an open dispute associated with this transaction. Visit the XXXX XXXX to view status. 
Paid with Balance {$1000.00} Transaction ID XXXX Seller info PayPal Note {$1000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation My email is XXXX XXXX
Product: Credit card or prepaid card

I made a purchase and never received the items. The company I purchased from sent an email asking the credit card company to request the money back and the credit card company has been refusing to submit this request to get the money back and are trying to hold me liable and make me pay for products I never received. I have been contacting them continuously and they refuse to resolve the issue on multiple occasions.
Product: Credit reporting

I called my bank to make a loan to build my credit and the bank said that Equifax have my birthday year as XXXX and I was born in XXXX but I 've never done anything with my credit so now things i try to do with my credit I ca n't and Equifax said they dont have any information and not looking into it. I NEED HELP ASAP! Im In the process of getting a car and apartment and ca n't do anything with my credit! I need this fixed ASAP!!
Product: Debt collection

Portfolio Recovery Associates , LLC sent a copy of information with only this information. 
Date : XX/XX/XXXX Account Number : XXXX Seller : XXXX XXXX XXXX : XXXX Original Creditor : XXXX XXXX  Current Creditor : Portfolio Recovery Associates LLC XXXX : {$1000.00} XXXX sent an email on XX/XX/XXXX, requesting a validation letter on the debt, proof of they debt purchased after receiving numerous calls on the debt. I emailed requesting the amount of the debt owed that was purchased, a validated letter. The last statement I received from XXXX XXXX was {$700.00}, which of course was charged off. I could no longer make payments because I was forced to retire. Which I explained that to an agent that contacted me several times. I never received an email threatening court. 
I have now received letters from lawyers asking, do I need representation to assist me in court. I then visited the website XXXX for small claims court date XX/XX/XXXX, XXXX XXXX XXXX XXXX. Portfolio never ask for payments I can afford or my situation. No one never called to discussed payments, they requested always the {$1000.00}. Which I can't afford anything, I'm living only on SS, after being forced to retire to care for my father after a XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The folowing items must be deleted immediately : XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : My only address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ga XXXX remove all other address attached
Product: Mortgage

I've completed two complaints regarding false statements from my mortgage company XXXX XXXX XXXX. I have a written response from them stating my bank didn't honor my payments and a letter from my bank I sufficient funds and no funds were attempted to be retrieved. The last payment retrieve from XXXX XXXX was in XX/XX/2017. My account has not changed and the check they received in XXXX from my financial institution should reflect the same account info from XXXX 's payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) XXXX XXXX is claiming that I made a {$500.00} payment which I didnt make and now the ( 3 ) credit bureaus have moved the date of last activity forward. This is clearly a violation of the Fair Credit Reporting Act to make up payments that have not been made in order to move up the date of last activity. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have not been successful.
Product: Credit card

XX/XX/XXXX my credit card was stolen and was used to make a fraudulent charge. I received notification of suspicious account activity from my credit card company and confirmed to them the charge was fraudulent. They refunded the fraudulent charge in a few days. XX/XX/XXXX the charge reappeared on my credit card. I contacted the credit card company about it and was told that they had concluded their internal investigation and deemed that the charge was valid. It has now been over 2 weeks since the charge reappeared on my card, and they have provided me no evidence to what led them to the incorrect conclusion that the charge was valid.
Product: Checking or savings account

Capital One schemed to keep 360 Savings accountholders in their lower-yielding accounts by obscuring 360 Performance Savings existence as a distinct product with a higher rate from 360 Savings accountholders. For example, Capital One named and marketed the two products similarly ; it eliminated nearly all references to the 360 Savings account product on its website and replaced them with references to the essentially identical 360 Performance Savings account, without notice that 360 Savings continued to exist as a distinct product ; it excluded 360 Savings accountholders from a marketing campaign advertising 360 Performance Savings to Capital Ones other existing customers ; and it forbade its employees from proactively telling 360 Savings accountholders about 360 Performance Savings.
Product: Checking or savings account

BBVA USA has locked my account after attempting one time to activate my Simple Banking account according to their transition instructions and has made not effort to resolve the issue. 
Customer service lines are extremely long and where you do get to a representative they hang up on you, they don't seem to be able to hear me -maybe. 
According to their XXXX it would seem they put more representatives in to work on XXXX XXXX which in of itself is cruel beyond the fact these employees are baring the brunt of a hostile interaction that they have no fault in. 
Again according to level of complaints on XXXX I am not alone in this terrible circumstance. 
I need to transfer money but have no idea if it will be bounce back and I'm unwilling to pay fees on one or both ends for account transfers to be rejected that I will never be reimbursed for.

We have been told repeatedly for what seems like five months that this transfer will happen email two months ago with an explicit date ( XX/XX/XXXX ) the transfer will occur and that we should log on that day and set up our new account. 
It feels as though my entire bank account has been stolen from me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a natural person, a living human being, I have filed complaint after complaint to inaccurate accounts information with no proof of verification of information reporting company has on file ,30,60,90 days complete refusal. I have rights under 15 USC1681 Experian and creditors is governed by 15 USC 1681 and they have violated my rights numerous times. I demand the listed accounts/ attached below be deleted because according to 15 USC 1681 I have the right to privacy and I did not give credit reporting agency written instructions/permission to furnish these accounts- Section 623 ( a ) ( 3 ) missing notice of disputed account - Section 611 ( a ) ( 1 ) failure to investigate items in 30 days gives reason to delete- 15 USC 1681e ( b ) accuracy of report - 15 USC 1681n Civil liability for willful non compliance- 15 USC 1681s-2 ( b ) reporting of information after notice of errors- 15 USC 1681i ( 5 ) ( A ) ( i ) treatment of inaccurate or unverifiable information provide in case of dispute accuracy by credit reporting agency, and per my request refusal to remove personal information, old address and names
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. 

As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to 3 Credit BureauS. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. 

I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. 

I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. 

It is my expectation that 3 Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out directly to Wells Fargo via certified mail to disputed some inaccurate items being furnished on my consumer report ( XXXX and XXXX. I have allowed the furnisher 30 days to do an investigation and respond to my disputes. So according to 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within 30 days therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents