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

Hello. Ive tried calling the state of XXXX to dispute this. I have never had my children take away nor have I ever lived in XXXX. Ive been dealing with identity fraud for 8.5 years. XXXX says they have no record of this account yet its showing its in collections. Experian says that its valid when I try to submit a dispute. Begging for any help youd be able to provide with getting this taken care of. I have police reports filed in XXXX XXXX  and the United States XXXX XXXX as those are all the locations Ive lived when this person has used my credit. Well, the one in XXXX is for her. Thats her address. The XXXX  police said they have active warrants on this female but can never catch her in the past 8 years. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX score really low I'm not able to do anything and I have fought and fought for the past XXXX years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a t-mobile phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life
Product: Credit card or prepaid card

I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX  and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no information about them, and they were carried out by the company without my consent.
Product: Checking or savings account

My XXXX debit card was taken by the ATM at the Capital One, NA branch located at XXXX XXXX XXXX, XXXX, Maryland XXXX on the evening of XX/XX/2018. Upon the bank opening at approximately XXXX on XX/XX/2018 tried to retrieve my ATM card. I spoke to one employee and the Branch Ambassador, Ms. XXXX XXXX. They were unable to provide any relief to me on my missing card.
Product: Debt collection

Final settlement was paid in the month of XX/XX/year>, and they have not send a final settlement statemen letter. This account contacting is with a XXXX XXXX account.
Product: Checking or savings account

I receive a check for my daughter, they said it's below XXXX dollars so they have been keeping XXXX a month out of it for years ssi check.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Bank of America account was involved in fraud. {$16000.00} was taken from my account because my car was stolen with all my personal belongings. I filed a police report and on the report you see that it says what was stolen. The money was transferred through my stolen phone through XXXX. I contacted Bank of America and they told me I need a police report and I will get my money back and I did this but they denied my claim and I appealed it and I was still denied.
Product: Mortgage

I have an account with Mr. Cooper previously known as Nationstar. I questioned why they were charging me {$15.00} each month for XXXX. I contacted them on or around XX/XX/2021 and received notice that I was charged this amount because my property was now a rental home which I still own. I was under the understanding that It does not matter because once you have made a substantial amount of payments, you should not have to make any other payment. Is this legal? or are they getting extra payment from me? Please advise. 

My Loan Number is XXXX My balance this date : {$32000.00}
Product: Student loan

I am a co-signer on a private loan ( with XXXX XXXX, who knows I am filing this complaint ) now held by American Educational Service - AES. They doubled the payment, without notice, several months ago, even though my daughter was unemployed until XX/XX/XXXX. I wrote to them recently asking for a forbearance due to a death in the family, and they did not appear to grant it as they said they sent me a message, nearly a week later, but I could not access it. I told them not to call me at work, as it is a public government institution, and I also told them not to have their collection agency, XXXX XXXX to call me, but they did. I have scheduled a payment for later in the week, which is over XXXX % of my daughter 's total salary per month, but I will still owe another payment. 

This company is awful. They need to be shut down. They increased the interest on the loan early on and it is nearly XXXX what we borrowed. 

Tell families never to take a private loan ; public ones are bad, too, but private ones are nothing more than goudging.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was with XXXX and sold to Midland credit. I filed for bankruptcy chapter XXXX case # XXXX on XX/XX/20. I filed a dispute through XXXX as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the Consumer Data Industries guidance in the Credit Reporting Resource Guide or I will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I was scammed about an internship opportunity. The company offered me an internship position that required certain materials to be purchased. They sent me a check through email which I printed and deposited. There was a hold on the check but the hold was removed afterwards and the money was awarded to my account. I used the XXXX XXXX option to pay the company to ship out the materials, knowing the money was available to me in my account from the check. The check was then returned by Chase because they were not able to locate the account and the money was taken away from my account. I was left with giving away the money I thought I was reimbursed for to the scammer. Chase did not refund me the money I lost to the scammer.
Product: Vehicle loan or lease

Hello, I financed a used car purchase through CapitalOne Auto on XX/XX/21. I set up automatic payments on a weekly basis through my online account at capitalone.com. Their web portal allowed me to customize my payment preferences. For example, I was able to choose my payment amount and frequency ( weekly, bi-weekly, monthy, etc. ). For the first month or so, payments were coming out of my checking account as scheduled with no issues. 

I then received an e-mail today XX/XX/21, that said 'Hurry! Make a payment now to avoid being reported late to the credit reporting agencies. ' The email was from CapitalOne and also listed out a late fee of {$13.00} for a missed payment from XX/XX/21. I then logged into my CapitalOne account online and didn't notice anything in terms of my checking account link or otherwise that would've lead to a missed payment. I then called the CapitalOne hotline at XXXX and spoke to an agent who verified me and reviewed my account. This agent confirmed my recurring payment link to my checking account was in good standing. There was no issue in terms of funds in my checking account not being available. Frankly, she seemed stumped as to why I got the e-mail referencing a missed payment as everything on her end seemed to be in good standing. I pointed out the late fee of {$13.00} and asked that it be reimbursed. She took care of that fore me and then went on to say that the next payment is set to come out at the end of the week like it normally does and that everything is in good standing regarding my account. I proactively asked about the reasoning as to why I got the late payment notification and furthermore asked if this will be an issue in future months. She was not able to articulate a reason as to why I was charged a late fee nor why I missed a payment per the email I received. She gave me an impression that it may've been a Capital One system issues and was not able to assure me this would not be a recurring issue. From there, she discussed alternative payment methods such as making monthly payments and I was told that monthly payments will mitigate any future issue 's such as what I experienced this month with my weekly payment cadence. I felt pressured to then set up monthly payments which she helped me establish on my behalf moving forward. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never had any account with moneylion personal and can't recall opening any loan with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute errors that are reporting on my credit report with Transunion. They are not properly investigating that issues and have ignored my claims. They have not provided me with a Proper Method Of investigation which per the FCRA has to show you physical proof of who they spoke with, when they spoke to them and what verifiable proof was shown to Transunion, none of which they have shown me. They have repeatedly told me that an items has been " verified. '' Though that is not legal verification per the FCRA. These items need to be erased immediately because they are causing undue harm to my credit file and my personal life. I have attached my dispute letter and identifying information to prove my identity.
Product: Money transfer, virtual currency, or money service

On XXXX around XXXX my IP address was hacked and 2 XXXX transactions were UNAUTHORIZED to XXXX I changed ALL my bank info & the amount total taken illegally was XXXX & my bank would reverse those unauthorized fraud charges, but my ip address matched?! I filed a police report, and no one is doing anything, please help
Product: Credit reporting or other personal consumer reports

I'm escalating my concerns with the CFPB as it appears that NO investigation has taken place into the matter and Experian is not following the appropriate procedures as set forth by the Fair Credit Reporting Act. 


I am writing to formally dispute inaccurate information that is currently being reported on my Experian credit report. The inaccuracies have resulted in an adverse rating, which I believe is unjust and has significantly impacted my credit standing. 
Specifically, I am disputing a late payment reported for XX/XX/XXXX for the following account : XXXX. Account Number : XXXX Under the provisions of the Fair Credit Reporting Act ( FCRA ), 611 ( a ), I request a reasonable reinvestigation of this disputed item. It is critical to note that the FCRA mandates that a Credit Reporting Agency ( CRA ) must conduct a thorough reinvestigation and must review and consider the information provided by the consumer. Clearly, I have provided payment receipt that shows the payment was made on XX/XX/XXXX. Yet Experian claims to have done a reinvestigation and the disputed item was updated however nothing happened. This obligation requires the CRA to exercise independent discretion to evaluate the validity of the consumers dispute.

Furthermore, the reports required by said 1681i apply solely to " transactions or experiences between the consumer and the person making the report. '' 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). In light of this provision, I request that you expunge the inaccurately reported late payment for the account listed above.

The leading case that highlights the qualitative standard for a reinvestigation is XXXX XXXX XXXX XXXX, decided by the XXXX XXXX in XXXX. In this decision, the court emphasized that the " grave responsibility '' imposed by 611 ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations contemplated by the statute.

Enclosed with this letter is a copy of the payment receipt for XX/XX/XXXX, which serves as supporting documentation for my dispute. 
Please send me a written statement confirming the completion of your reinvestigation and any changes made to my credit report. Additionally, I request a copy of my updated credit report once the inaccuracies have been corrected. 
Thank you for your prompt attention to this matter. I look forward to your swift response and the correction of these inaccuracies. 
Sincerely, Enclosures : Payment receipt for XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

XX/XX/23 Loan Maturity {$76.00} balance due XX/XX/23 Auto payment- {$360.00} Over payment- {$280.00} XX/XX/23 Auto payment- {$360.00} XX/XX/23 I attempted to stop this payment with my bank payment was already dispersed. 
Over payment - {$360.00} XX/XX/23 Refund {$280.00} for XX/XX/23 auto payment Letter confirming loan is paid in full accompanied by Vehicle Title. 
XX/XX/23 Letter from Toyota stating 'contract/loan has matured and TFS has received all contracted monthly installments ; however there is a balance of {$76.00} due on the account. Please forward {$76.00} to TFS. ' XX/XX/23 Stop payment- {$280.00} for XX/XX/23 auto payment refund Stop payment fee - {$15.00} bank fee Off shore customer service would not transfer my call to a supervisor, resolution specialist or bounce my call to the United States. 
Did not receive a call back as promised from Resolution Department XX/XX/23 Faxed bank statements to Toyota XX/XX/23 Filed a complaint through XXXX  ID XXXX. 
XX/XX/23 Toyota complaint XXXX closed, not resolved. 

Toyota Collections Department has called everyday wanting to collect {$76.00} past due. 
Credit report received late payment notice. 
XX/XX/23 Filed a Dispute through XXXX to Toyota Financial Services XX/XX/23 Account balance on TFS website {$360.00} outstanding balance.
Product: Debt collection

I have requested debt validation from the following company Professional Credit Management in the following Amounts : XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act inquiries done by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FOR XXXX AND XXXX XXXX XXXX have all violated my rights. I do not recognize these inquiries. Never been in contact with any of these companies there forth these are fraudulent and are inaccurately reported to my credit profile. 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
Product: Debt collection

XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO 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: Checking or savings account

XX/XX/2023 Service for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX was completed and a check for {$750.00} was signed by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) was mailed. 
XX/XX/2023 Check from XXXX XXXX XXXXXXXX was deposited into my ( XXXX XXXX ) checking account ending in XXXX ( Check # XXXX ). 
XX/XX/2023 Check is shown to be posted and processed by issuing bank ( XXXX XXXX ) XX/XX/2023 Check was under investigation for alleged fraudulent activity and account was placed on hold. 
XX/XX/2023 Check deemed fraudulent and checking account in the beginning stage of closure without any warning or reason. 
XX/XX/2023 Account still in process of closure and funds previously on account have been held as well as the {$750.00} check deposited. 
XX/XX/2023 Told I was unable to create a claim to retrieve the funds of {$750.00} from check deposited as well as the XXXX XXXXXXXX that was previously in account.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2024, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firms.

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in
question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Coinbase must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. 
Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element.

However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Coinbase did not foresee the fraud and disregarded even the most obvious dangers in this respect.

Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Debt collection

A company by the name of TrueAccord continues to contact me in reference to an alleged debt that I am not aware of. They have stated the amount of the debt is XXXX and XXXX. I have requested multiple times that they verify this fraudulent debt and they have failed to provide me with the proper verification to investigate this alleged debt. I have sent multiple letters to this company. I have now sent in another letter and also provided a police report of this matter as this is reporting negatively on my credit report for a debt not mine or verified.