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

In XX/XX/XXXX, I entered into a six month forbearance due to damage to my home from Hurricane XXXX. I was told by Seterus that the forbearance would apply until XX/XX/XXXX. I began making mortgage payments in XX/XX/XXXX. Once I began making payments, I was placed into a loan modification program, and was told that my forbearance would be suppressed until the modification was complete. It was my understanding that the forbearance would be applied to the end of my loan and this would not have a negative affect to my credit. Effective XX/XX/XXXX, my mortgage company informed me that a forbearance due to a natural disaster would no longer be suppressed to the credit bureaus. I went from a FICO score of XXXX to XXXX. I have never had a delinquent payment in any of my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of the blue I decided to check my credit score and my old XXXX email and came to the realization that loans credit cards time share and emails that were sent out because of with the attempt or success of using my identity to open all sorts of accounts and trying to file taxes because my XXXX acct has been compromised as well. It was done without my knowledge or approvaland it's been going on for mos. I will allow you access to both of my accounts that prove fraud. XXXX XXXX is the pswrd for both. XXXX i did see the name XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX, and XX/XX/2022 my credit report was accessed and utilized for promotional purposes without my written consent authorization or permissible purpose by Capital One AUTO Located at XXXX XXXX XXXX XXXX, TX XXXX. Phone Number XXXX. I Have sent communication to the Company which will be attached down below.
Product: Credit card or prepaid card

-requested to redeem 69,939 pts. for cash w/BBVA ( before PNC conversion XXXX ; was explained first need to be processed as a credit to the a/c and once credit hard posts can request a check to be sent out to me ( this took place prior to XX/XX/XXXX ) XXXX ... pts. redemption amount of {$690.00} hard posts to a/c ( resulted in me calling XXXX to ask for and initiate refund check to be mailed out ... explained process would take about 1wk ) XXXX ... XXXX subscription hit a/c and reduced the rewards pts credit to {$680.00} XXXX ... new refund amount of {$680.00} was taken out of a/c ; described as, " sale adjustment XXXX XXXX '' ( XXXX PNC consultant on XX/XX/XXXX call ( XXXX mst ) confirmed this was indeed a description for a refund to card holder and not a creditor/merchant charge to a/c ) -week prior to XXXX XXXX ( possibly XX/XX/XXXX ) ... called PNC bank to inquire about refund check ; had not received yet from supposed mailing on said XX/XX/XXXX date . Consultant verified check had begin requested and processed but since I hadn't received it w/in that month duration another refund check was put into process in said amount ; however, mailed to alternate address due to potential mail fraud purposes. 
XXXX ... still no refund check received, so called PNC and spoke w/consultant XXXX ( refused to provide employee I.D . or call center location ) explained " check had been requested but not no check could be found '' she spoke w/her supervisor and furthermore explained that this issue had to be escalated to a different dept. since other charges had occurred since the initial request/s. Had the refund processing been handled appropriately the first time there would have been no issue w/verifying charges against credit. XXXX further stated this process could take another XXXX  days to complete AND if I don't have my refund check by that time that I would need to call back to see why. Therefore it seems to reason that after this escalation ( and yet another extended waiting period ) my refund check still may not be processed/completed. I would like my money refunded ASAP there was an agreement made to provided me a refund check for the credit that came by way of redeeming my rewards points... It is very unsettling that a financial institution is able to hold XXXX a credit card consumer 's money w/absolutely no recourse to the credit card company. I even asked if once they completed their research and see that there indeed was a credit refund check for said amount if they could overnight the refund check since I have been dealing w/this issue for XXXX  months and XXXX said her supervisor no to the request ; furthermore displaying the lack of respect and professionalism and responsibility that you would come to expect from a financial institution, after all if the situation was reversed and I owed them money the 'd exhaust every major power resource they had to collect payment. Not ethical for the credit card company to give same regard.
Product: Credit reporting or other personal consumer reports

In 2022 I tried to rent and was Denied many times due to Inaccuratereport.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I filed a complaint disputing information on all 3 of my reports ( ID XXXX, XXXX, and XXXX ). As of XX/XX/2023, little to no information has changed. In fact, 2 of them are still open.

Also, in accordance with 15 USC 1681b : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

AS WELL AS 15 USC 1681c : ( a ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have NEVER given my consent for any company to report to my credit report, nor do these reporting agencies legally have the right to be reporting negative information to my report. Do to the fact that there is STILL such and abundance of negative information being reported to my reports, I have been denied employment, and the ability to acquire credit. 

As a final mark against them, my XXXX, XXXX, XXXX, AND XXXX files have all been locked ( see attached ), so how these agencies verified any information if subject to question.
Product: Money transfer, virtual currency, or money service

Using Coinbase XXXX, on XX/XX/XXXX, I attempted to swap one crypto for another multiple times. This functionality is a standard function for Coinbase. After several minutes I received a message that said that there was a failure and I should try again later. I did so. Throughout that one day, I attempted to swap 7 times in total, resulting in failures, and was charged a total of {$58.00}. After my last attempt, I contacted Coinbase XXXX customer support ( XX/XX/2024 ) and laid out the transactions and the problems. I can still see these failed transactions in the transactions tab on the app. My ID is XXXX. I received an automatic email from Coinbase Support and was assigned Case # XXXX. Since then, I have sent them two additional emails to ask for some feedback, a reply, an update, an apology, or any such thing. Coinbase has been silent since. It has been 9 days since the initial problem and communication, and my problem doesnt require a whole lot of analysis I dont believe. So I am filing this complaint at the direction of a legal friend of mine in the hopes that Coinbase XXXX  fix the functionality and make my account whole.
Product: Credit reporting or other personal consumer reports

I received an email from my XXXX credit card on Saturday XXXX reporting new accounts opened. One by XXXX XXXX XXXXXXXX which I have contacted to report and one by US Bank Consolidated with a non working number on my credit report. I did not open these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft due to a data breach.

Fraudulent accounts have been reported on my credit file without my consent. Under 15 U.S.C. 
1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00}
Product: Mortgage

Applied for Covid Assistance on mortgage company website. Keep sending in documents and calling them. They keep telling my incomplete. Has been going on for 2 months no with no assistance.
Product: Credit reporting or other personal consumer reports

After recently looking at my credit report, I have numerous and fraudulent inquiries that does not relate to any credit transactions that I have made these are the inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$770.00}
Product: Bank account or service

After being personally frustrated attempting to resolve an account hacking that likely occurred at a result of Scottrade 's recent data breach, I can honestly say I felt a strong desire to warn others about Scottrade 's behavior. 

If you are unaware, Scottrade requires you to sign an " Arbitration Agreement '' and prohibits you or Scottrade from using a court and jury to settle disputes. Instead, you are required to file Arbitration. 

In my situation, after my account was hacked and hundreds of thousands of fraudulent trades took place, I took all of the steps as outlined by Scottrade requests. I even got XXXX different police reports, multiple notarizations, etc, however, Scottrade stated that they will not refund money as a result of account hacks. 

I asked Scottrade how I could utilize the dispute resolution process with Arbitration because Scottrade does not include details of the arbitration forum or how to initiate Arbitration and instead responds with boilerplate letters that the issue should be resolved in the appropriate forum. 

I had previously asked Scottrade for a copy of the arbitration agreement and they refuse to respond. 

It seems to me that Scottrate unscrupulously, requires customers to sign an arbitration agreement but does not provide details on how to initiate a dispute via arbitration, effectively shielding themselves from all potential disputes and firmly stripping the rights of customers away. 

I can not put this more simply, if there is any dispute with Scottrade, they will provide a lacking and unhelpful response ( to please regulators who count papers ) and then direct you to Arbitration while simultaneously refusing to provide any details about the Arbitration. 

Perhaps unsurprisingly, Scottrade has engineered almost 100 % protection from any liability as a result of their wrongdoing. 

Do not do business with Scottrade.
Product: Credit reporting or other personal consumer reports

I own a home that I purchased in XXXX and have lived there since purchase. When trying to refinance said home in XXXX, it was brought to my attention that there was an apartment and eviction on my credit from XXXX. I have never had an apartment. I filed police report and identity theft report with federal trade. Alerted all bureaus. It remains on my credit report with out any response. Its extremely damaging and I need help getting the information removed. Its ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

this credit has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 602 a section 2 a consumer reporting agency can not furnish an accurate without my written instructions.

Under 15 USCS 1666b a creditor may not treat a credit card account open end consumer credit plan as late for any purpose
Product: Debt collection

I have paid STP Management Group {$2200.00} for a debt that XXXX XXXX loan has no record of and now a XXXX company is calling ( very threatening ) to collect on this same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

What happened was that I was receiving mortgage assistance since XX/XX/XXXX for 18 months and throughout that time the App to make payments was blocked, which is good to avoid errors or double payments since the account is configured for automatic payments. In XX/XX/XXXX I made several calls ( should be recorded ) to the bank ( loss mitigation department XXXX Land Home Financial Services. I sent several emails so they could release the App so I could start making payments. They never fixed the problem, which resulted in a late payment that was not my fault, since after the account was unlocked ( XX/XX/XXXX ) I made 3 payments in a row : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The account is currently paid on time. 
After that they sent me an email ( XXXX XXXX, XXXX ) to let me know that by law they had to report it to the credit bureau, hurting my credit unnecessarily. There was no goodwill.
Product: Credit card or prepaid card

Approximately beginning of 2022 : Due to emergency dental need, had to open a Care Credit account thru Synchrony Bank, XXXX, FL. 

Continually made monthly payments, couldn't do a lot due to employment situation. I watched it over time and my payments were only going to the interest payment ( 25 % ). 

XXXX Called to close account and trying to speak with the lady was impossible. Not very good XXXX. All she wanted to do was speak of options and I had to stop her and slowly tell her I am closing account. 

Called my credit union to increase my visa to pay off the balance showing. That was approved and paid the balance. 

The next morning I checked the account to make sure it was done and all they did was increase the amount available and it was not paid off. 

Then : XX/XX/2022 Got a letter from this bank saying my account was closed. 

XX/XX/2022 XXXX another letter from bank saying looking into account and have patience. Due to the language barrier and wrote a letter asking them to close the account permanently and the full balance was paid. 

XX/XX/2022 XXXX another letter from bank that the money had not been credited to my account and wanted more information and issued me over {$600.00} to my account. I have closed it! 

That day I sent another letter telling them that the full balance was paid and to close the account and sent a cashiers check for {$10.00} to cover any interest for no further dispute. 

I keep getting emails from them which are irritating and just not sure why they are treating me like I still exist with them. 

Please help me find out why they think I still have an account with them. I don't need them affecting my credit. I even sent them the credit card they issued me. I need them to stop sending information.
Product: Debt collection

I paid for a XXXX and was very misled. The air did not work. The place was Dirty the sink was stopped up and I did not stay there and I let the company know and I have been trying to dispute it and sent them all of the information and they were very misleading and would not return my money
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my XXXX  score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on XXXX  scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.
Product: Debt collection

On XXXX XXXX I was alerted that a collection was added to my account ( opened on XXXX XXXX ) by Jefferson capital system for {$81.00} on behalf of XXXX. 

Since XXXX XXXX that the account was opened I have not been provided with the following : - Agreement with the creditor that authorizes you to collect on this alleged debt - The agreement bearing my signature stating that I have agreed to assume the debt - Valid copies of the debt agreement stating the amount of the debt and interest charges -Proof that the Statute of Limitations has not expired - Complete payment history on this account along with an accounting of all additional charges being assessed -Show me that you are licensed to collect in my state ; and - Your license numbers and Registered Agent This illegitimate debt is affecting my credit score in a negative way and must promptly be deleted due to its inaccuracy.
Product: Checking or savings account

In the beginning of 2020 I opened a cash app account which I had my first stimulus check deposited into directly. In XXXX of 2020 my account was compromised and I lost access to the account I tried contacting cash app support to verify that my account had been closed however my second stimulus check was deposited into the account which I do not have access to. Cash App has offered no support helping me regain access to my account nor have they blocked the stimulus deposit.
Product: Money transfer, virtual currency, or money service

I tried to transfer {$5000.00} from Alaska to XXXX to help family there during the pandemic. XXXX immediately took the money out of my XXXX XXXX checking account on XXXX XXXX and their web site said it would be available XXXX XXXX. There is no sign of the money - it has apparently been stolen. 

In the meantime, XXXX has announced they will not be opening their borders for the rest of the year. My brother works in the travel industry so is in even greater need of financial assistance now, but I am out the money I tried to send to him ( so I can't send it by a trustworthy company ) and he still needs the money. 

The worst part is that these people have all my information to set up identity theft - they should not be allowed to do business anywhere in the country and prey on people because of pandemic financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not certain if this is my problem but its the only thing I can see that changed on my credit report. My credit score drastically dropped from XXXX to XXXX in some cites and XXXX on Experian. My credit report is showing that our mortgage was paid in full in early XXXX. I did receive notification from XXXX XXXX XXXX XXXX at the very end of XXXX that my mortgage was being sold. to another company, XXXX XXXX XXXX Mortgage. However, my mortgage is no longer showing on my credit report and I am wondering what's happening. Our mortgage was covered with XXXX Bank for over 20 plus years then all of sudden it was sold to XXXX I believe in XX/XX/2022. Then in XXXX XXXX is selling the mortgage to someone else. I don't know what kind of games they are trying to play but my husband and I do not want to get caught up in anything with us being so close to paying off the mortgage. We don't know if some company is trying to run a scam on us and we are not going to have it. Somehow somewhere our mortgage balance is being hidden and not being reported on our credit report. My credit score should be reinstated back to normal quickly and not gradually increased, it is not fair nor honest to destroy someone's credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666B Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I leased a new Hyundai SUV for 36 months that got totalled in the XXXX month of the lease. My insurance company paid off the car but the total payments maid to HMF are more than $ XXXX more than the cost of a brand new like SUV based on the total amount paid by me towards the lease and the check sent by my insurance company. My insurance company has informed me that XXXX should have refunded me the overpayment that totals approximately XXXX more than cost of the new car to replace the one that was totalled. XXXX is refusing to refund me that amount citing a clause in the contract that stipulates that any and all insurance proceeds are the property of XXXX. This is not industry standard per my insurance company and XXXX is being unfair and unethical in their conduct regarding this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!