23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

OK ... .I have already filed a complaint with you guys regarding this company. I just saw an updated copy of my credit bureau report from Equifax, they had concluded their investigation, and they said that the account belongs to me. Ummmm, NO IT DOES N'T, because I DID NOT do this for one, and two, these people are impossible to talk to, I have communicated with them, and they were very rude. I refuse to contact them again!!!!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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

On XXXX/XXXX/XXXX, I applied online to XXXX XXXX for a loan. The loan request was declined due to my short credit history. On XXXX/XXXX/XXXX, I received a call from a lending company called XXXX XXXX through It 's representative XXXX XXXX XXXX with a loan offer of {XXXX Though I did not apply to the company for a loan, I nevertheless accepted. The representative asked for my bank details which he said the company needed to pay the check for the amount into my account. I innocently gave him my bank details over the phone. I did not suspect any foul play. I did not know he was a fraudster. It was my first time of getting involved in loan transaction. He also asked me to withdraw XXXX from the money which the company would pay into my account and pay it into an account the company would provide me. According to him, I needed to do this to boost my short credit history and prove my trust-worthiness which would qualify me for a bigger loan. Shortly afterwards, I received alert from my bank indicating the check had been deposited into my account. The next day, I innocently went to my account in ANOTHER BANK, withdrew XXXX and sent it to the account that was sent to me. After some hours, I decided to access the account the check was paid into and I realized my account had been frozen. Confused and not knowing what was wrong, I called my bank and they informed me that the checks that were paid into my account were fake checks. I immediately made a complaint to the Police. After investigation, the police gave me the case number to send to the bank, asking It to unfreeze my account, but the bank did n't comply. That is how the account has remained frozen up till now and it negatively affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified you an error on my personal credit report and that I am a victim of identity theft
Product: Vehicle loan or lease

Ive had an auto loan with TD Bank - TD Auto Finance since XX/XX/XXXX. On XX/XX/XXXX I paid off the loan and was told by TD they would send the lien release to the California DMV and I would receive the title in the mail. Its now XXXX and I still havent received the title. On XX/XX/XXXX I called the California DMV to inquire about the title. They informed me their system still shows a lien holder on my vehicle, but its not TD, its a company called XXXX. I dont know who XXXX XXXX, Ive never dealt with them, and I verified with TD they are not affiliated with them whatsoever. Later on XX/XX/XXXX I called TD to find out what was going on. They informed me that back in XX/XX/XXXX they mistakenly requested from the DMV to release the lien from their name to XXXX. They never communicated with me about their mistake or provided me any details whatsoever. I coincidentally found out yesterday and only because I called them. With this mistake, TD has failed in protecting my privacy and personally identifiable information by sending my title to the wrong person, and failed to inform me. This is a gross violation of my consumer rights. When I asked them when I would receive my title all they could XXXX as a solution was that they already contacted the DMV to request they put TD back as the lien holder so they can sign off on the lien release but they have no control over the DMV. This is their fault and havent taken ownership at all of their huge mistake. Its now been 7 months since I paid off my loan with them and because of their error, theyve put me in a severely high risk situation by having my title sent to this unaffiliated company instead of being sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I had filed a dispute ( in error ), on the amount owed on my credit card only to find out that my significant other had not paid the bill yet. ( INsert eye roll ). I immediately contacted Citibank and XXXX XXXX to stop the dispute. I thought that it was taken care of and the dispute was stopped. It wasnt and my night mare began. I check my credit weekly on XXXX XXXX and started to notice my credit score FALLING drastically. I called XXXX XXXX and they told me that XXXX had stopped reporting on my Citibank Credit card. I called XXXX and was told that Citibank had stopped reporting that card in response to my dispute. I tried to explain that I had called Citibank and XXXX XXXX and stopped the dispute almost immeditately. XXXX said I needed to talk to Citibank so I called Citibank and they said they needed all my information ie ; drivers license, proof of address and all the info from XXXX XXXX that showed my cc wasnt being reported for a score. I sent them all they asked for and didnt hear anything for over a month. I called Citibank again and they told me that they were reporting to all three ( 3 ) major reporting companies ie ; XXXX XXXX and XXXX as Federal Law mandated and I needed to check with XXXX  to see what was wrong on their end. IN THE MEAN TIME ... ..I kept checking my credit score on XXXX XXXX and they were reporting XXXX and XXXX   and my credit score was growing but NOT XXXX. SO ... ..I  called XXXX and got the run around that it has to be XXXX XXXX fault. I hung up in a fury! There were many more phone calls to XXXX  over the SEVEN ( 7 ) months where I was asked to send them the same information I had sent to Citibank. I was asked by XXXX to have Citibank contact them and when I replied I would get Citibank on the phone for a three way call the ADAMANTLY rejected that, saying it was illegal for them to talk to Citibank that way and I needed to have Citibank call them and request a reinstatement of reporting on my credit card. Understand that this card has been paid off in full each month no matter how much is on it! I have worked REALLY hard to clean up my credit from a poor life in the past. XXXX and XXXX are both reporting in the 700s on my credit score with XXXX  only reporting in the 500 range! OK ... so I did call Citibank and told them what XXXX said needed to be done and the little gal I talked to got her Supervisor and they sent XXXX the information XXXX had requested, ( or at least they told me on the phone they had! ) this was over a month ago and still my credit card from Citibank is not being reported on XXXX XXXX from XXXX   BUT IT IS FROM THE OTHER TWO! My issue is that I cant get this fixed and I even went so far as to call an attorney but he was a shister! Anyway, I Just found your agency today. PLEASE help me get XXXX to report my Citibank Credit Card as everything I HAve done has failed!! Heres hoping!!!
Product: Credit reporting or other personal consumer reports

Filed multiple disputes for the XXXX accounts XXXX XXXX and XXXX as identify theft. These accounts do not belong to me. I have Provided FTC reports for each account. Transunion keeps verifying these accounts as accurate and making updates. When asked to provide method of verification to identify how they validated these accounts belongs to me, Transunion does not respond. These accounts are not mine and need to be removed immediately as it is impacting my credit worthiness and ability to purchase a home.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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: Checking or savings account

My father XXXX XXXX XX/XX/XXXX. on XX/XX/XXXX myself and a financial advisor began contacting the different bank and financial institutions in which my father had made Investments. I am the executor of the will and the sole beneficiary I have contacted all the different investment concerns and they have complied. With the exception of US Bank we have contacted US Bank numerous numbers of times talk to 25 or 30 different people of which no one seems to know about the other we were told to submit XXXX XXXX along with other papers which we complied twice overnighting and receiving signatures and faxing yet no one could find the paperwork now we have finally found that we have to deal with the branch in which the account was open but they are telling me that I have to drive to Colorado as I live in Kansas to get a letter of XXXX. I am dismayed at the way they have treated me and the way they have handled the situation that a man who has lost his father has been able to close out all other accounts totaling substantially more that this US bank account. Yet US Bank requires something more for the small amount in my father 's account that has been left to me the beneficiary and they are saying that I have to drive to Colorado go to the courts to get this letter in order to extract the money into the executor account in order to fulfill my father 's requests concerning the money that he left behind
Product: Student loan

I submitted an employment certification form ( ECF ) form to have qualifying payments counted from the years I've worked for XXXX College XXXX XXXX XXXX XXXX, a 501 ( c ) ( 3 ).

XXXX XXXX denied the ECF, stating that section 3, Item 5, the employment begin date was not filled out. It was clearly filled out.

They also said section 3, items 9-13 were not filled out. Item 9 was clearly filled out, Item 10 was clearly filled out and the instructions on item 10 said to skip to section 4, so the remaining items 11-13 were unecessary They also said that they were denying it because section 4 had been filled out by my employer. The instructions for section 4 clearly state in all caps " TO BE FILLED OUT BY EMPLOYER ''.

I submitted the form again with these areas highlighted and explained that their reasons were invalid.

They denied it again saying that the official from the employer had not listed her phone number. She had clearly listed it on the appropriate line in section 4.

Furthermore, they reduced the number of payments that had already qualified without any explanation at all. I had already certified 14 qualifying payments. They reduced that number to 12 with no explanation at all. The real number should be closer to 40.
Product: Student loan

My student loan was with Great Lakes. My school XXXX XXXX XXXX year, so this loan was XXXX. I have an email on XXXX from Great Lakes this has been XXXX. On XXXX Nelnet took {$50.00} from my account. I've sent netnet XXXX emails with the XXXX email information and nelnet has not contacted me. There is another payment expected XX/XX/XXXX that will not be paid, but I do not want my credit score affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm concerned about the XXXX data breach, so I thought I should create an account with each of the credit monitoring companies. I started with XXXX. No problem. Transunion required a credit card number on step 2 to create an account. It said nothing about charges only that I accept by clicking continue. I assumed it was to access my credit information -- I mean, I was just creating an account. I finish and get a notification from my credit card that I have been charged XXXX!! I could n't believe it. I called immediately. They offered to cancel my subscription, they did. I made sure they refunded my credit card payment. They refused. I told them I just wanted to create an account and that no where on the application did it say ANYTHING about charging {$20.00}. I ca n't believe the deception from what should be a trusted source, especially give the recent data breach. I pleaded and they told me to call back tomorrow. I did n't accept. I asked to speak to a manager and she told me there were n't any managers. She cut me off and I begged for her not to hang up. The line went quiet but I could tell she did n't hang up, so I waited. At least 3 or 4 minutes later she came back on and told me she refunded my money. That has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Money transfer, virtual currency, or money service

Please investigate Coinbase. They have told me i cant get access to my personal account and withdraw cash for 1 MONTH as part of their customer support and security policy. 

This involves interactions with Coinbase Customer Support phone and email services from XX/XX/XXXX - XX/XX/XXXX. I have been locked out of my account. I have provided the information requested to validate my account multiple times which is the last XXXX digits of my social, a photo of my drivers license, and a photo of my self to match to my drivers license both online and while on the phone with a Coinbase agent. In my first interaction the agent told me it was approved and to look out for an email telling me how to regain access to my account ( i found it odd they couldnt unlock the account - or give me access after resolving the issue with me on the phone as other FS companies do ). None-the-less, I went through the steps they suggested in the email, and it locked me out again. The last agent i spoke with on XX/XX/XXXX told me that i had been locked out of my account for security reasons and they would not be able to review my account for XXXX month. Given this is an account with my cash as well as securities that change value day to day, and I want to get cash out, this is not acceptable. There is no credible financial services institution in the world that would tell a customer they cant get access to their account for 1 month due to security protocols, or have it as a part of the customer service policy. My concern is that they are defrauding customers, and that my $ arent really in my account at this point. Please investigate Coinbase.
Product: Mortgage

I had decided to cancel my homeowners insurance with one company, and go with another company 2 months prior to the end date of the policy. I had gone to a local branch to inform of the change, and make sure the company that I was leaving would not be paid and the new one would be paid for the upcoming year renewal. The representative took down all the information, and stated that she would make sure the now old insurance company would n't be paid, and would only release a payment to the new insurance company. I received a notice this week to inform that both insurance companies have been paid in a total amount over {$2400.00}. After paying two different insurance company Bank of America ran an out-of-cycle escrow analysis report knowing that two insurance companies had been paid ; which will cause my mortgage payment to increase effective XX/XX/XXXX, 2018 close to {$200.00}. I have contacted the branch representative who stated that she had forgot to get the information over to the mortgage company, and it was my responsibility to contact the insurance company to get the refund back on a cancelled policy. I was informed by the insurance company that a refund could take up to 7 weeks. In the meantime, the mortgage company knowing that an error was made on there end will not remove the escrow analysis which will cause the mortgage payment to increase.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing XXXX inquires on my credit report that I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the inquires have the date of X/XX/16. When I called Transunion on XX/XX/XXXX, the representative told me that I need to dispute it directly with the financial institutions. That 's not possible, because I 've never done any business with any of them.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

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

The three bureaus XXXX, Equifax, XXXX have no legal right to place on my report for approx. 5.5 yrs.the fact that my XXXX Bankruptcy case had been successfully discharged in 2021 by the Eastern District Court Of MICHIGAN U.S. Federal Bankruptcy Court. This is a private matter thus a privacy violation and possible identity theft I did not consent to this report publication and it has harmed my quality of life i.e. hard to rebuild my credit, would be turned down for future loan request and damaging my credit score finally it will hamper my re-employment attempts, etc.Finally, the posting of this bankruptcy has/there reporting requirements do not comply with FCRA 611 ( 15 U.S.C.16811 ) and therefore the information of Bankruptcy must be deleted immediately in order to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, I XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX there was a letter sent to Transunion asking them to verify what I believe to be incorrect information reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I applied through CREDIT KARMA for a XXXX XXXX  credit card. It was unknown too my knowledge that even with CREDIT KARMAS personal " Excellent Approval Odds '' for myself that I was being deceived, and initially caused a hard inquiry on my credit history. 

This hard inquiry that resulted in dropping my XXXX XXXX. I have worked hard too get my credit back up, and this has caused me too be denied by a few other agencies for a home, and or a car loan. 

Causing my family as well as myself disruptive negative, emotional, and personal self worth impacts on our day too day lives. 

It's hard too better yourself in today 's world when people take advantage of your finances knowing they are falsely giving you hope. 

Thank you for your time, and mainly help with resolving the issues with this situation.
Product: Debt collection

XXXX XXXX is currently reporting 2 accounts on my credit report : XXXX & XXXX All my medical bills have been paid and they are very old. Insurance paid them. I do not owe any other bills and they are not valid. THey are not mine