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

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ; XXXX XXXX XXXX; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ; XXXX XXXX XXXX Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was apartment hunting and found an apartment listing for XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I signed the lease, signed electronically on XXXX and Zelle. On XX/XX/XXXX I sent {$500.00}, XX/XX/XXXX another {$500.00}, and {$200.00} on XX/XX/XXXX for a security deposit. I then sent the first month rent on XXXX {$500.00}, XXXX {$500.00} and XXXX {$200.00}. As there were daily max transfers back then. It was my first time using Zelle. The listing was fraudulent, I made police reports and tried to dispute all of this lost money with my bank but it was declined. I was involved in a scam/fraud and Zelle did nothing for me. Id like to be compensated for this.
Product: Payday loan

borrowed {$450.00} fro m Northern Plains Funding llc I have made 16 payments of a total of {$130.00} and one of {$67.00} i understand the interest are high and that is why i wanted to  pay it off as soon as possible now they tell in order to pay it all off it is going to be a total of {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX Account number ******************* Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX  number XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX  number XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX ******************* Amount {$2600.00}. 
Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX Number XXXX Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Account number XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name APPLIED XXXX Account Number XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX  Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated and deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$940.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$470.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX {$370.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX {$1400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring applications on my phone and noticed that my equifax score suddenly dropped. I looked into why it had dropped as nothing should have caused that change and the other credit agency did not have a change. I noticed that equifax suddenly started to report a closed account with negative history. They started to report XXXX XXXX XXXX XXXX XXXX  installment loan under my closed accounts. This account does not belong to me, it was never on my credit report until XXXX. I contacted XXXX, they do not have a record in their system with my name and social security. I started the dispute with Equifax and have called them but they just inform me it is under reinvestigation. Again, this was ever on my credit report until last month and according to the equifax it has been open since XXXX. In the past the credit agencies have mixed my name with a similar name which is noted on my credit report. I have been dealing with this for a few weeks and need to resolve as I am in the process of purchasing a home and this incident has dropped my credit score by XXXX XXXX in just a month.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I deposited {$20000.00} to my Veem wallet to make payments for my business. In order to make that deposit, I previously needed to upload a slew of verification documents on or near XX/XX/XXXX, including the front and back of my driver 's license, a selfie of me holding my driver 's license, a bank statement from the debit card where the funds were located from, a copy of my business registration, and a description of my business. On XX/XX/XXXX, I received notice that my account was fully verified and able to be used. 

Around XX/XX/XXXX, I decided that Veem was too cumbersome for my needs compared to a traditional bank so I submitted a request to withdraw my funds back to my business checking account. The attempt to do that seemed to have locked my account, and Veem then required verification of " a credit card statement, '' though no credit card had been used on the account. Furthermore, they told me to upload this information to a location of the interface that does not exist. 

On XX/XX/XXXX, I contacted support to find out how to get the funds released, and their response was : " Upon checking your account, I can see that this has been canceled because this is not the correct manner to withdraw the funds from your Veem wallet. '' The rep then linked to a support page that outlined the exact steps I followed. I resubmitted the withdrawal on the XXXX using the steps in the support document just in case, but they still wouldn't release the funds. On XX/XX/XXXX, they notified me that they needed to verify the statement from my business checking account, even though they already received my verification information digitally when I linked the account with XXXX. They again told me to upload the document to a part of the interface that didn't exist, so I emailed my statement directly to the support rep. By XX/XX/XXXX, I still didn't hear anything, so I called support and they requested *another* copy of my debit card bank statement, even though I had previously provided it to them. 

At this point, they have still not approved the transaction and released the funds even though they have all of the statements and documentation for both the source and the destination account, verification that I have the username and password for the destination account through XXXX, my ID, my business registration, and my business information. There's literally nothing else left for them to verify, and no traditional bank would even require this level of verification for a pretty basic transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE LETTER and the accounts listed below are still reportinginaccurately on my credit report and it is in violation of The Federal Law. You are requiredunder the FCRA to have a copy of the original creditors documentation on file to verify thatthis information is mine and is correct. I have also submitted an FTC and CFPB You haveNOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information whichcannot be verified or reported inaccurately. The law is noticeably clear as to the Civilliability and the remedy available to me for negligent noncompliance ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA I demand the following accounts be verified ordeleted immediately : XXXX & XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This evening, I discovered an inaccurate account on my credit report and I'm unsure why they're there. When I checked my report, as I routinely do, I found unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inaccurate account remained. Due to this issue, I request a thorough review of the documents I've sent to prevent future worries.
Product: Debt collection

This is a XXXX account and the last activity was back from 2006 which is past the statute of limitations to report but this company keeps on reporting. I have disputed with no results and this company continues to list. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a collection company stating about a debt I owed for a insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX  to review my credit report. I found many fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.
Product: Bank account or service

Discover Bank took {$7600.00} from my account to respond to a XXXX tax lien. 
But Discover Bank had no authority to do that as the XXXX lien was not perfected in XXXX. 
I have been unable to get Discover to return my money. Nor have I been able to get XXXX to acknowledge receipt of the funds. 
Further the XXXX assessment against me was rescinded, which I told Discover customer service department before it disbursed the funds. 
I do n't know where the funds are.
Product: Credit reporting or other personal consumer reports

On XXXX I got a notice from this portal that the accounts in questioned below were removed however pulling the new report there still there did not get any notification from vreditor nor credit agency please remove this information its fraud XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I disputed my on XXXX public records two XXXX that should not be appearing on under my credit report. I have gone ahead and contacted XXXX and the have also verified plus mailed me a copy of my latest report ; they do not have any XXXX on my XXXX report. XXXX has failed multiple times to properly verify this information and have yet to remove it from my credit report. 

XXXX, has also been contacted and filed disputes on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and has failed to remove the one XXXX. 

Attached with this message is a copy of the XXXX report. On page 46 you will note I do not have any bankruptcies on my XXXX report.
Product: Mortgage

I TRY TO WORK OUT WITH SPS AND THEY HAVE NO PROGRAMS TO HELP ME OUT I REUNITE BETWEEN FAMILY MEMBERS AND FRIENDS XXXX TO HALP THE XXXX THEY SAY TO AVOID FORECLOSURE AND THE OTHER PAYMENTE AT END OF LOAN IS MY PLAT I HOPE YOU CAN HELP ME TO CONVINVE THE DEAL THANKS LET ME KNOW IF YOU CAN HELP IM OLDER MY MOTHER RETIRED AND MY BROTHER HAS XXXX  FOR WORK THANKS I CAN STIL MANAGES TO PAY MORTAGE.. BUT I NEED HELP I DONT WANT TO GO BANKRUPCY
Product: Credit reporting or other personal consumer reports

Unauthorized XXXX XXXXXXXX XXXXk Transunion inquiry on XXXX Victim of unauthorized identity theft furnishing 3rd party non public non account.

Transactions and Experiences are excluded from Consumer Files
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian i have had a XXXX card foe almost 19 years. i have a fico score of XXXX, i have a r car loans credit cards ect, i have no missed or late payments on my report. in the past i have had this same issue with Experian in the past. i get declined for a card that says they only check Experian and Experian has stated that i do not have enough credit history. recently i have attempted to reopen a XXXX card that i had with my place of employment that was closed do to the company no longer offering the option of XXXX. i was then contacted by XXXX saying i needed to open a XXXX acct to keep the card. i called XXXX to give them my personal costco acct number, they said they would have to rerun my credit and XXXX< Experian reports i have no to lil credit history and im declined!!!!!. i have no been on the phone trying to contact Experian for over 30 minutes and even on line. however Experian just wants me to join some sort of membership or pay them to " boost '' my credit to receive all the info that is out there ... what the XXXX is this???? i have to pay a credit reporting agency to report my true info??? 
please contact my to help me resolve this issue XXXX XXXX XXXX
Product: Mortgage

I let my ex Husband keep the house in our divorce. I had to sign over the deed to him so he could put the mortgage in his name only per the divorce agreement. He was able to do this and the mortgage went to OCWEN. Somehow they put the mortgage back into my name and the new note does not have my signature. I have asked numerous times for a copy of the mortgage agreement and they have not given me one because I do not live at that address anymore. I never signed anything authorizing them to increase my debt. Please help me in fixing this situation.
Product: Credit card

I purchased items from XXXX, but the quality of everything I bought was unacceptable and completely unusable. I requested a refund from XXXX, and a refund of {$39.00} was issued to Affirm on XX/XX/2024 ( proof of refund attached ). When I didnt see the refund applied to my account, I disputed the charge and submitted the proof of refund to Affirm. After 20 days, Affirm responded, claiming they have compelling evidence that I am still responsible for the payment.
Product: Mortgage

We went to three different lawyers who told us that we could receive a loan modification. 
We were not behind on our payments when we went to the first lawyer. After paying over {$15000.00}. the lawyer could not be found and his office closed. The Second lawyer reassured us that they could get an approval and they tried to get us to do a short sale and sell to an investor. The third lawyer listed in this complaint is the one who has filed a a bankruptcy to stop the sale of our property. The mistakes that were made because of the advice of the attorneys. We are employed have steady jobs pay our taxes and we want to keep our home. 
We tried to speak to Bayview to work with them, but they put a sale date on our home. 
We want to work directly with Bayview. 
Please help us. Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not have any rights to collect a debt according to UCC 3-203. They've also given away my personal information to consumer reporting agencies which is an infringement of my rights under the Privacy Act of 1974. Collection rights are not transferred with securities and neither are my rights transferred. Only the original creditor has a right to collect and those rights were lost once the security was transferred. As clearly stated in UCC 3-203 : TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

FURTHERMORE, the constant fraud and currently opened lawsuits associated with these 3 reporting agencies, XXXX, XXXX XXXX Experian, put the security of my privacy and credit files and reports at high risk which results in many errors and fraudulent entries being furnished on my reports. 
And also as you all now know, CFPB finalized rule to remove medical bills from credit reports, do you shall do so immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, you are not taking this seriously. I sent multiple disputes in regards to these issue. Don't force me to believe that your report is accurate. Technically, the report is incomplete and unverifiable. I gave you enough time to prepare all the documents to prove this on me but you've failed. You are now demanded by the law to remove this inaccuracy from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and national credit adjusters did not validate the debt and can not report on my credit over 30 days ago. I requested both debt collectors to validate that they have not responded. 
I disputed it with XXXX and they ignored the fact they are in violation of the fair debit collection practice act
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on Experian Credit Report XXXX. I am disputing the accuracy and legitimacy of these account charges. When they initially surfaced, I contacted XXXX and advised them that both me and my wife were identity theft victims and that we had not made these charges. Subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my wife had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I met with similar results with our XXXX XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX XXXX has repeatedly stated they are under no obligation to conduct any subsequent investigation. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX, XXXX XXXX XXXX XXXX and Experian have failed to do either. I demand to be provided the results and a copy of the actual investigation conducted on each of these matters, contemporaneous to the event and report.
Product: Credit card or prepaid card

I have a Home Depot credit card issued by citi bank. I made a {$60.00} purchase and was 1 day late I received a {$35.00} late fee and was 1 day late in paying the late fee so I received another late fee this went on for months until it reached over {$200.00} in late fees I tried to call and resolve the issue and was told some fees would be waived but they were not. My credit score went from excellent to poor. I do not feel it is right that they can compound late fees and ruin my credit. It was also impossible to speak with anyone who could help. 

my name XXXX XXXX card # XXXX Phone # XXXX