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

I dont know how your agency can continue to close the complaints out and let these illegal collection agencies off the hook. They never sent me anything about this debt.. NEVER!!! REG F 1006.34 requires written notification about it that prior to placing something on somebodys credit file. Doesnt allow you to email the initial disclosure. And they never sent me the initial disclosure to begin with. Not only that in one of their replies to me, they broadcast in an ad they believed it to be mine and I told him that was not what I live anymore. Still, they continue to claim that you sent the information to the address Ive told him is not mine. My next phone call will be to an attorney.. if you dont believe, Ill sue, look me up on XXXX
Product: Credit card

Dear CFPB Team, I am seeking assistance regarding a dispute involving fraudulent charges on my account. On XX/XX/2024, I received a letter from XXXX XXXX XXXX indicating that, as of XX/XX/2024, I owe {$900.00} for two unauthorized transactions. 
I have taken the following steps to address this issue : Disputed Transactions : I have attached receipts for the XXXX fraudulent purchases in question, as well as the debt collection notice. 
Police Report : I reported the fraud to the XXXX XXXX Police Department, and the incident number is XXXX. I am currently awaiting a formal police report number. 
Fraud Case with Citibank : I have notified Citibank and opened a fraud case. The case number assigned by Citibank is # XXXX. 
Despite these actions, the issue remains unresolved. I would greatly appreciate your assistance in helping to expedite the resolution of this matter and ensure that the fraudulent charges are removed from my account. 
Please let me know if you require any additional information or documentation from my end. 
Thank you for your time and assistance.
Product: Payday loan, title loan, personal loan, or advance loan

In last complaint they told lies i only got one extra XXXX for the XXXXXXXX XXXX I am XXXX on XXXX XXXX have had XXXX XXXX  on a fixed income tried to work this out. I was in a data breach and got a letter and my email has been compromised. Its doesn't even run anymore. I. Have paid a total of XXXX on a XXXX loan. I've had so many unknown charges and been hacked devastating and ask them about the data breach and its we can't discuss this. Please I was a great customer and need my title. Also I have another account with a XXXX XXXX XXXX XXXXXXXX XXXX  gone and always paid im on fixed income and have paid way I very what the truck is worth. They need to drop everything and give me my titles. Point blank period. They lie cheat and take people their trust. Not a good company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt collection account on my TU credit report. That debt is not mine. I have contacted XXXX XXXX XXXX over two months ago to remove it. They sent me a letter confirming that they will remove it from my credit report but unfortunately they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are not updating my credit report for one negative item. XXXX and Experian keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XX/XX/XXXX and XX/XX/XXXXto confirm and they NO LONGER have the disputed account on their records since XXXX. XXXX and Experian " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XX/XX/XXXX and discharged XX/XX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Citibank Sunoco card has been closed and paid via settlement since 2017. However, it still shows up on my credit reports with the credit bureaus with a {$950.00} balance and driving my score down. I've disputed several times this incorrect info with the bureaus and the results keep coming back as " information accurate ''. Please do something.
Product: Vehicle loan or lease

Vehicle loan with Santander. I sold this vehicle on XX/XX/XXXX and had a total payoff balance given to XXXX XXXX  XXXX. Santander reported payment late in XX/XX/XXXX after it was sold. I have disputed and it has not been reflected accurately. I want this reported as current. 

Thank you.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened the Citibank checking and savings account package in XX/XX/XXXX under a promotion, where I should receive {$400.00} bonus if i follow through with the terms of the promotion. The promo code was XXXX. O n XX/XX/2018 I deposited {$15000.00} into the checking account and {$200.00} into the savings account and held it there for over half a year.

I have since met the conditions under the terms of this promotion, and have repeatedly contacted Citibank about the bonus, but the calls went no where. Research case was also opened but there's no promised updates ( within 24-48 hours ).
Product: Debt collection

I am fighting against Portfolio against 2 accounts that appear on my credit report and they are trying to collect debts on. One is from XXXX XXXX that I have previously disputed with XXXX XXXX XXXX XXXX  got fined XXXX XXXX dollars for fraudulently opening accounts without the consumers knowledge and I have all that information with your company already ( they opened fake credit cards under my name when I only had a checking acct and debit cards, they created fake accounts showing I owed credit card debt then put the collections with Portfolio Recovery. When I submitted evidence that I did not open these accounts they sided with XXXX XXXX which is WRONG ). They did not care to hear the evidence that this was a fraudulent acct ). Now they keep reporting this as a NEW account with the credit bureaus so that the 7 year period begins anew each time I refute the account ). They are also claiming I owe XXXX money when I disputed an account with someone that bought an item from me back in XXXX  for under {$100.00} and claimed the product was faulty ( I used to sell on XXXX XXXX XXXX ). They refused to return the product for a refund but then claimed action against me with XXXX as they paid through paypal. I never got the product back and XXXX fined me about {$90.00} which I disputed. NOW, Portfolio Recovery says I owe them {$910.00} for this disputed amount. Portfolio is a sham company not caring for the truth only trying to scam people for amounts NOT OWED. This predatory practice is unconscionable.
Product: Bank account or service

Ally bank advertises that they do not charge any fees for the international incoming wire transfer. Since Ally bank does not have a XXXX code, Ally bank uses XXXX XXXX XXXX as an intermediary bank. 

I was told from the Ally bank customer service that if the fund is in US dollars, 'Ally bank and the intermediary bank ' will not charge any fees. What is quoted is 'no fee from Ally and XXXX '. However, the intermediary bank charged me {$22.00}. I first contacted Ally, and got a reply to contact the intermediary bank ( XXXX ). I contacted XXXX, then I was informed that XXXX as an intermediary bank always charges the transfer fee. I contacted Ally again, complaining that they provided the wrong, misleading information. However, they maintain that because the fee occurred in the third party, they can not reimburse the fee. 

I am very disappointed that 1. the bank provided the wrong information 2. They refuse to reimburse because it is happened by a third party. Ally bank should take responsibility for providing the wrong information and the loss of the customer from the wrong information.
Product: Debt collection

On multiple occasions since 2018 XXXX XXXX/Resurgent Capital/LVNV Funding LLC have placed collections on my credit reports. Ive challenge it multiple times and the credit bureau would remove them, then after 30, 60, 90, 120 days or longer these two companies which are the same Resurgent Capital and LVNV Funding LLC have gotten the credit bureaus to put the negative false debt information on all three of my credit reports. I will include copies of the multiple certified mail letters that I sent them in which they never responded nor provide proof to me of the alleged debt. They have willfully engaged in fraud and violation of the FCRA and are involved in racketeering and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand this payment be updated to on time as they should be as I was NEVER late. 

Thanks,
Product: Debt collection

I received no prior notice from this company. They sent a violent individual to my apartment that began pounding on our door so hard it bent the latch and door jam. He persisted and we were terrified someone was trying to break in not expecting them. My XXXX XXXX XXXX son has XXXX and was crying and visibly shaken. After 15 minutes and us about to call police, he yelled and swore at me to open the door he had papers to sign. I relented and signed. Intimidating and harassing peoples families with no warning is wrong and causes a great deal of emotional distress.
Product: Credit card or prepaid card

Today ( XX/XX/2021 ) I received a Chase Debit/Visa Card in the mail. I did not apply or request this credit card. 
On XX/XX/2021 I filed a complaint with your agency for my husband on Complaint # XXXX due to the same issue but with a different bank. As a result of helping him with this, I placed a security freeze on my own credit reports with XXXX and XXXX on their websites and with XXXX through my personal XXXX account on XX/XX/2021. My lifelock account has been active for several years. 

In the past I was the holder of a Chase credit card, but it has been inactive for well over a year. 

I did not request this card.
Product: Checking or savings account

I filed a police report once I realize that the bank notified me that my account was in the negative over {$1000.00}. Then I step into the branch to find out why I was blocked out my account and card was not working. Then I file a dispute with the Bank. They provided me with the info and it came back some used my info to deposit a check with a fake signature that didnt match mines and they withdraw fund out the account with my consent. I need help cause they sold my info to a company called XXXX XXXX which blocks you from opening any bank account. Thats hurting my name to have any new bank account.
Product: Mortgage

My flood insurance carrier sent two invoices to United Wholesale Mortgage, UWM did not pay those invoices and my policy lapsed. As a result I've been told I have to reapply for flood insurance and my premium has doubled.

My insurance payments and taxes are escrowed and my flood insurance carrier is listed as a payee on my escrow account. The account also clearly states that the the policy was set to expire on XX/XX/2023. They received two separate invoices from my insurance carrier, the first on XX/XX/2023, and another one on XX/XX/2023. They also received a notice of cancellation on XX/XX/XXXX but they failed to send the payment within the required timeframe. Instead, they chose to send me a letter advising me that they would force place insurance on my account.
Product: Money transfer, virtual currency, or money service

Hi. I would like to lodge a complaint against Coinbase Global Inc. 
Coinbase is a Cryptocurrency exchange and is a publicly listed business. I opened an account and started investing with Coinbase since XX/XX/2021. 
I had invested XXXX XXXX, worth more than {$20000.00} until XX/XX/2021. On that day my account was hacked and all my cryptocurrency amount transacted out of my account through XXXX transactions within a few minutes. 
While my account was hacked, I claim that Coinbase was the main contributor to this event as the hacking started after I responded to an email from their Customer Service. 
The email from Customer Service had been sent to me XXXX days prior to the hacking event ( XX/XX/2021 ) in response to a problem in my account that I had raised with them earlier. 
I trusted that Coinbase Customer Service email was legitimate as it had clear reference to my previous history and my complaint, so there was no reason for me to believe that it was fake. All I know is that once I clicked on the link provided in the Customer Service email my account was accessed and unauthorised transactions started. 
I was devastated and raised a complaint with Coinbase and received a complete rejection of my compliant and any responsibility for my account theft that was triggered through their own email. 
I understand that a lot of scams happens to people through scam emails but I believe the way my account was hacked is clearly a fault within the Coinbase customer service system. 
There is no ability to escalate the matter in Coinbase organisation, no phone response or direct email and I am really hopeful that you could help me getting my money recovered. 
I have also filed this matter with California Attorney General and Internet Crime Complaint Centre, XXXX. 
I would be more than happy to provide more information and evidences supporting my claim and looking forward to hearing from you about how I could get my money back from them. 
Kind Regards
Product: Credit reporting

Trans Union continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Trans Union is in violation of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on my credit reports. Because this information is incorrect it is harming my credit score. The account need to be removed from my credit report. Since COVID-19 have been XXXX, unable to work and can not afford credit score to continue to be harmed since. This trade-line should be removed immediately or I will sue under every law possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$850.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXXBalance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. TRANSUNION and XXXX Have violated my federally protected consumer rights to privacy, confidentiality and publish information to my credit profile without my written consent. As a consumer I am protected from this types of IDENTITY THEFT under 15 USC 1681. The account that is illegally on my profile is : XXXX XXXX XXXX open XX/XX/22. XXXX and TransUnion both have committed fraud and have violated my right Under 15 USC 1681 section 604a section 2 : it States that a consumer reporting agency can not furnish a account without my written instructions. I have not provided my written instruction to TransUnion or XXXX. In section 15 USC 1681c ( A ) ( 5 ) Section states, no customer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which and antedates the record report by more than seven years. I have not been convicted of a crime in seven years or ever. I otherwise as a consumer : Have the right to privacy as stated Under 15 1681USC section 602a.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The account listed below is not mine. It is associated with inaccurate personal information. Please remove it from my credit profile and credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and notice a plethora of inquires that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports and must be deleted immediately : XXXX XX/XX/XXXX transunion, XXXX XX/XX/XXXX transunion, XXXX XXXX XXXXXXXX XX/XX/XXXX transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/21 I received a voicemail from XXXX XXXX XXXX stating he was from Direct Recovery Services and my account number is XXXX and I could pay my debt online at www.directrecoveryservices.com, with a call back number of XXXX. I went to the website and put in the account number and it said it was not found. The website also list telephone number XXXX. I called XXXX, spoke to XXXX XXXX and was asked to provide my address or the last 4 of my social security number and when I refused her line went blank. I called back, spoke to XXXX XXXX who informed me that I needed to speak to XXXX, when I asked why she could not assist me she became very aggressive and I ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : XXXX. XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

Toyota Financial Services XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Looking to refinance but my credit was pulled without my permission. I went to pre approval and it didnt say it would give me a hard inquiry on my credit report.. 


XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX I dont not recognize this on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNKNOWN INQUIRE ON MY CREDIT BUREAU SUCH AS XXXX AND XXXX DATE OF INCIDENT XX/XX/2017 NAME OF THE COMPANY CONSUMER PORTFILIO S
Product: Credit card or prepaid card

found this GENESIS CARD SVCS company on my credit report with 2 different cards. A destiny y and indigo. I have never heard of this company until now. I contacted them and made them fully aware of the situation and that I never authorized any accounts under my social to be opened with them. As well as I never lived at whatever address they have listed. I filed the first complaint against this company and they returned with a response which found it to be fraud but they only did the DESTINY CARD and didnt handle the INDIGO CARD when clearly there were TWO accounts marked as fraud CLEARLY STATED INMY COMPLAINTS AND ON MY REPORT. I am attaching their response they sent here to you which ONLY covered ONE of the cards and did NOT address and remove the INDIGO CARD ACCOUNT. REMOVE INDIGO AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX has violated my rights. 

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 : Also states a consumer reporting agency can not furnish an account without my written instructions.