23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

After paying off the loan with Credit Acceptance I was given the title to the vehicle. Later on CAC claimed there was a pending balance of XXXX and got a judgment against me in state court. I have filed a federal lawsuit in this matter and until it is disposed, I am asking credit acceptance to remove any negative reporting on my credit XXXX v. Credit Acceptance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax and XXXX via certified mail on XX/XX/XXXX, although I saw a new dispute was opened with Equifax through the dispute portal, I have yet to receive a response from this company. XXXX never opened a dispute until today XX/XX/XXXX after my initial complaint to CFPB. They are both reporting inaccurate information on my credit file as well as incorrect addresses. I only live at one address and I have reached out to all current and past creditors and bureaus to update this information and have received push back. This is putting me at risk of someone obtaining my information from creditors. 

The accounts in particular that have not been properly investigated are : XXXX XXXX showing the first date of delinquency as XX/XX/XXXX on Equifax reporting but on XXXX its XX/XX/XXXX. This is aging the file to remain longer on my report please remove as this is further damaging my credit history. 

XXXX bank XXXX is showing the original delinquency date as XX/XX/XXXX with a charge off of {$73.00} but has fluctuated the balance past due as {$450.00} and {$450.00} on Equifax month over month, but showing first delinquent date as XX/XX/XXXX on XXXX with {$450.00} past due. Please remove as they are not updating this file to report accurate information to the other bureaus. 

Fair Collections & outsourcing XXXX was not properly investigated and shows date of delinquency as XX/XX/XXXX on Equifax but reporting XX/XX/XXXX on XXXX. please remove this file as it is reporting different information on different bureaus further damaging my credit file.
Product: Mortgage

My loan was transferred from XXXX XXXX XXXX to RCS in XXXX XXXX. Since the transferred RCS has put us through XXXX trying to obtain a loan modification. Despite receiving verifications of all of our income stream, which is {$9300.00} a month, they only choose to use my Social Security of {$2600.00} a month. XXXX more than once has Dual Track our loan, the latest was a letter dated XXXX/XXXX/XXXX, titled Notice of Default and intent to Accelerate, which was followed by a letter dated XXXX/XXXX/XXXX, was a combination of a denial letter and a pre-foreclosure notice. This is totally against the California Homeowners Bill of Rights. I have submitted another full package which includes pay stubs, XXXX, annuity income and social security income in support of the {$9300.00}. I anticipate, RCS will begin to nit pick, and claim not to have received the documents.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed below. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XX/XX/XXXX
Product: Credit card

I Purchased furniture through comenity bank in XXXX and there was a XXXX  month interest free promotion. They accidentally withdrew a double payment from my bank account. They gave me back a payment by check instead of a credit to the account and sent the extra payment to me in the mail. this extra payment was coded on my comenity account as a charge that I made and ever since they have been charging me interest on an account that was to be interest free for 48 months. Every month I have to call in to get the finance charges credited back and some of the representatives are giving me a hard time and trying to explain to me why I am being charged. Some of them have been argumentative and simply rude. I have been hung up on. I have requested a dispute but nothing was done at the end of the 30 days. I have asked several times if someone from management can call me back and that has never happened. They are refusing to allow me to speak with someone higher up to resolve my issues. They indicate that notes are being made with requests for someone to give me a call but no one has ever contacted me and I have had this account since XXXX. A few months ago there were a couple of charges added to the account and when I ask what they were for no one can explain to me what the charges are for. I only made one purchase with this account and nothing else. I need someone to assist me because the charges that were added to the account I believe need to be credited back. It was an error on comenity 's part and I have been dealing with it since XXXX or early XXXX and there have been several representatives who have assured me that they took care of the issue but every single month I am dealing with it. It has been an absolute nightmare. Please help me.
Product: Mortgage

it is the same complaint, againnothing ever gets done with Bank of AmericaI get a run around, and always gets sent a large service call centerI am told I am talking to the office of the president of Bank of Americathis is not true, it is a call centerI am told one person is handling my issues, that is not trueIt is the same run around time after timeI need real help. 

Bank of America does not want to resolve any issuesPlease get me to someone who actually can do what they say and is actually in authorityNot an underlings from a call center who has the purpose to stall delay and not do anything to helpXXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$9100.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$4800.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$48000.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXX XXXX XXXX  XX/XX/XXXX - Balance : {$3400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XXXX originally handled the loan for my home and property. This loan was then bought by RoundPoint Mortgage Servicing Company, before the first payment was even processed. RoundPoint Mortgage Servicing Corporation failed to use my escrow payments to pay my property taxes, which were due six months ago. I have contacted them six times in the last month ( since the day I received notice from the XXXX that my property will be auctioned due to delinquent taxes ) to rectify this situation. They are clearly in the wrong and have admitted as much. Every time I ask for a status I 'm reassured that all is well. I follow up with a call back, and nothing has been done. The property goes up for auction after tomorrow, and they will not agree to provide me with any confirmation that the taxes have been paid ( after they finally do pay them ), so I can not know that my real estate will not be auctioned. I do not have the funds to pay the taxes myself, though I could use a credit card, but I would have to pay interest on the charge and get caught in another battle with RoundPoint to get them to do the right thing. I ca n't believe this is happening!
Product: Mortgage

In XXXX of XXXX I made an application with Integrity First Financial Group for a non-credit qualifying FHA Streamline Refinance of my primary residence. On XXXX XXXX, XXXX I received an email that was sent unsecured and unencrypted from the lender with all of associated loan documents that included non public personal information such as my Social Security number and birthdate in a pdf format attachment. 
Upon receipt of the unsecured email I contacted the loan originator that took my application and advised of the breach of security and the potential compromise of my personal data as a result of the unsecured email that was sent. On XXXX XXXX I received yet another unsecured from the lender that also contained my personal non-public information. I placed a second complaint to the lender of the potential compromise of my personal information. I eventually withdrew my application as result of excessive fees the lender was charging. 
Skip ahead to XXXX XXXX, XXXX : As a customary practice for at least the last 16 years I prepared my income tax returns utilizing XXXX software. I filed my taxes electronically on XXXX XXXX of XXXX. Upon filing my XXXX XXXX 's I discovered that the electronic tax returns were rejected by the IRS for the following reason : XXXX Taxpayer TIN in the Return Header must not be the same as s TIN of a previously accepted electronic return for the return type and tax period indicated in the tax return. I contacted the IRS to get details on why my tax returns were being rejected, this is when I found out that my tax returns were fraudulently filed by a third party. In meeting with the IRS it was determined that the possible source of the data breach was a direct result of my non public personal information sent via an unsecured and unencrypted email
Product: Checking or savings account

Starting XX/XX/XXXX and XXXX we contacted Current after discovering our account had been suspended. It was suspended because the company that holds our car loan, XXXX, last month tried to withdraw the usual monthly payment. Only problem is they tried to withdraw it and put it back several times causing Current to mark it as fraud. We recieved texts and emails from XXXX saying it was paid but it wasn't. We're assuming they wanted to collect late fees. But anyway, the account at Current was marked as fraud and as soon as we discovered it we asked them to please deposit it in a separate account on XX/XX/XXXX. We had continuing conversations with Current on the XXXX, XXXX, and again on the XXXX asking them to please either reinstate the account or reject it so that it can be deposited in our other account which they were given the appropriate information for multiple times. We were told it could not be appealed. Bill 's started being due on the XXXX of XXXX. That is also usually the latest my husbsnd gets paid. It is now the fourth and they have still not taken any action to ameliorate the situation despite further contact in the form of emails and, finally being able to speak to actual humans, phonecalls every day from the first through today. The entire reason my husband signed up for this account was he would get paid a few days earlier which worked out for us bill wise. Usually around the XXXX. So it has now been over a month since my XXXX veteran husband has gotten paid. I care for him and our XXXX small children. I'm trying to find work I can do from home in my spare time. Please help us. Current says this is all because the account was over drafted last month, to which my husband said then take out however much you need to cover the overdraft and send the rest to the other account, I don't care. They said yesterday that they may have to send us a paper check which may take an additional 21 DAYS for us to receive! That will literally XXXX us. Our kids will starve, we'll lose our home, we can not wait that long when we're barely existing as is!
Product: Bank account or service

Wells Fargo permitted un authentic ACH request documents to be submitted on my behalf that allowed ACH money to be transferred out of my savings account. ( {$70000.00} ) Wells Fargo did not verify with me the documents the received, did not verify my signature on the document or any standard verification for ACH set up. Wells lacked sending me the standard alerts which are typical for a " new '' bill payee and I did not get the normal account notices when money is transferred from my checking or savings. 

I personally tracked down all XXXX from the information I gathered on the bank statement the day the theft was discovered. I located a legitimate XXXX company in XXXX called XXXX XXXX XXXX where the money was sitting. I had the accounts frozen ( bogus accounts were set up in my name to accept the ACH transfers ). Wells Fargo has never called, its been 7 days. I complained to my local branch office on XXXX/XXXX/2015 and still today have received NO communication from the local branch employee. 
A stop payment of XXXX was successful for the last few transfers, that was verified Friday however Wells Fargo has not given me that money back yet. It is MY money. 
Today I verified that the remaining XXXX has been successfully wired back to my accounts. This was done by me. Wells still clueless.
Product: Money transfer, virtual currency, or money service

Coinbase. 

I had been using them since 2017. Back then I bought XXXX for under a dollar. That's appreciated quite a bit since then. 

About four months ago I had a data breach. Someone remoted into both my computer and phone. So I purged all my data to keep it safe from the scammer. It worked. My funds were safe. They still exist. 

Since then I have been contacting Coinbase almost weekly to recover my account. Because their site forced me to use 2FA on my phone I haven't been able to recover my account. 

I've informed them tat I have current ID and a social security card to recover. They haven't even tried to help. 

Right now I don't even have enough money to spend on a pack of cigarettes. 

I can prove who I am, I've been in contact with them, they refuse to resolve the issue.
Product: Credit reporting or other personal consumer reports

Experian is incorrectly reporting my address and has refused to correct the miss-information, stating that XXXX XXXX and XXXX other creditors have reported this address. This is highly unlikely. 

I have lived for over XXXX decades at XXXX XXXX XXXX XXXX XXXX Experian has reported my address as XXXX XXXX XXXX XXXX XXXX, and when I spoke to a condescending agent, she told me I needed to deal with my creditors, because they were reporting that information. 

XXXX XXXX and all of my creditors have no problems sending me bills to XXXX XXXX XXXX XXXX XXXX. They have never sent a bill to XXXX XXXX XXXX XXXX XXXX. 

The nice lady who lives, and has lived there for decades as well, at XXXX XXXX XXXX XXXX XXXX calls me when we receive mail at her place. In most instances, it was a mistake with the mail carrier. However, since my credit is currently excellent, she get a lot of pre-approved credit applications. This is golden opportunity for credit fraud facilitated by Experian. 

I suspect that Experian 's software that correlates addresses is directionally challenged and does not know the different points of a compass or does not care.
Product: Debt collection

Transunion reinserted XXXX XXXX back onto to my credit report without any notification. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 a few Personal credit card accounts. 
ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted disputes with XXXX on XX/XX/2023 for unauthorized hard inquiries that i think someone was trying to establish credit in my name. The investigation was completed today XX/XX/2023 without a reasonable investigation. According to FCRA legally these unverified & unauthorized items Must be removed. I directly dispute the completeness and or accuracy of information contained in my consumer file. As per FCRA there here to reinvestigate is an intentional and/or negligent FCRA violation.Ive talked to the fraud dept to resolve these issues as wel as placing a fraud alert & freeze on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an 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 and purpose. 

Reported late as on XX/XX/2021 XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Half of the information on my report isn't mind
Product: Credit card

To Whom It May Concern : I applied for a " Bluebird '' Walmart Credit card because the XXXX website offered more points on their Savings Catcher program if you converted the points onto this card. A couple of months ago, I was having some Fraud issues with my checking account, making it difficult to keep up with the payments on this Credit card. They allowed me to charge over my credit Limit. I called the bank for this Credit Card, Synchrony Bank on XXXX/XXXX/2016. I told them I would pay {$130.00} on XXXX/XXXX/2016. They told me that this payment would bring my account into a " Good Standing '' status ; however, the XXXX, 2016 statement shows ONLY a {$60.00} payment on XXXX/XXXX/16, 2 days AFTER I had made the payment on XXXX/XXXX/16 of {$130.00}! When I called Walmart Credit card Dept XXXX on XXXX XXXX/XXXX/16, I was told that the account was CLOSED due to having been over the credit limit AND past due (? ) My payment of {$130.00} brought the Balance back BELOW the Credit limit, and, per Synchrony Bank would bring me OUT of a Past Due status. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG AND INACCURATE ADDRESSES
Product: Credit reporting or other personal consumer reports

Within the last week I noticed two accounts that showed up on my credit report for XXXX that do not belong to me. I contacted XXXX and they advised I need to contact studentaid.gov. I was able to file a dispute with them and they directed me to also file it here as well. Studentaid.gov is doing an account recovery. My name, partial DOB, full SSN were used with a different address, email address, and phone number. The school is out of XXXX  as well as the address and phone number which I have never been to that state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my Equifax credit report I noticed these unauthorized credit inquiries : XXXXXXXX XXXX  / XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX
Product: Debt collection

Company name : XXXX XXXX XXXX XXXX I call them to pay {$310.00} that I won them long ago When I call they say that I dont own them anything at all but they refuse to remove that account of my credit They sell it to a collection company that I dont know off I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists