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

I have inquires that I did not authorize at all I called all 3 credit burial and the only company that was able to help me was Equifax that disputed 20 inquires and the confirmation is # XXXX. I explained to XXXX  and XXXX  how I can get it deleted and they told me that I had to call each company and ask for a deletion form for the unauthorized inquires but when i started calling the company 's 4 of them told me that they have no record of anyone trying to apply such as XXXX  XXXX I spoke to a XXXX Id number XXXX and he assured me that no-one has tried to apply for a credit card with my social so when I call back both credit beau they told me to go to idnetifythefty.gov then when i needed help filling out form I called and they told me that I had to contact you guys. I have not applied for a credit card or loan in almost 2 years I only have 2 credit cards and I still have open accounts from them. I tried to put a fraud protection which I thought I had for 2 years and noticed all these inquires on my report last week I only check my report once a year because its free. I've had a police report when my purse got stolen from my car 4 years ago and I'm not sure if its the same people applying for credit cards under my name thinking they can get approved. XXXX  and XXXX  have over 22 hard inquires that I did not approve of. I just want them to be removed from my account its not fair that I am trying to fix my credit and someone just keeps using it. I will add all the inquires that i did not authorize down below and upload a copy. 
1.XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX 2.XXXX XXXX XXXX/XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.XXXX/XXXX  XX/XX/XXXX & XX/XX/XXXX 6.XXXX XXXX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX/XXXX  XXXX  XX/XX/XXXX 10.XXXX  XXXX XX/XX/XXXX AND XX/XX/XXXX 11.XXXX/XXXX XXXX/XXXX  XX/XX/XXXX 12.XXXX XXXX XXXX XX/XX/XXXX 13.XXXX  XXXX XX/XX/XXXX 14.XXXX  XX/XX/XXXX AND XXXX 15.XXXX XXXX  XXXX XX/XX/XXXX 16.XXXX  XXXX XXXX  XX/XX/XXXX AND XX/XX/XXXX 17.XXXX/XXXX XXXX XX/XX/XXXX 18.XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 19.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 20.XXXX XXXX XX/XX/XXXX XX/XX/XXXX SOME OF THESE INQUIRE ARE MULIPLE TIMES
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 consumers rights to Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 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

Experian has removed my credit report from online. When I log on their site it shows a credit report from 2 years ago!!!! They are using this as a tactic so that I am unable to view what's on my credit report this is a violation. As consumer reports are supposed to be made available online and not just by mail. Update my credit report on Experian.com immediately!
Product: Checking or savings account

Attempted to open Wells Fargo XXXX Account online - authorized {$500.00} ACH from XXXX to open account. Had technical issue and was advised by wells Fargo chat yo close that account and open account again. I did that with {$25.00} ACH authorized. Wells Fargo withdrew both the {$25.00} to fund active account AND {$500.00} that they can not find. See attached screenshot showing both transactions ( {$25.00} credited properly and {$500.00} lost )
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX, XXXX. XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : 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

I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, chase closed both of my credit cards Freedom ( XXXX ) {$500.00} and my chase amazon ( XXXX ) {$7100.00} without any warning then I received a sudden email Saying that had too many inquiries. I have a good credit score,  and low debt ratio ... I have a long outstanding relationship with chase pay my bill on time and promptly. I tried my ultimate best to keep my usage under 30 percent and even pay my bill on time and even before it due date. EVEN with the health pandemic ( Coronavirus ) I kept up with my payment and keep my usage low. I just want to have chase to reinstated my account and want to have a long standing Forever relationship with them. I send numerous email to them with no avail .. please help
Product: Mortgage

I am in a situation that I can not make my mortgage payment in the next month with Bank of America. However when I get online at the bank website to apply for 120 days postpone payment, their website saying that they will report to my credit bureau that during Covid-19 that I can not make mortgage payment and the late charge is not charge. My question is, is this reporting from Bank of America affecting my credit in the future if I apply for a loan or credit card?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights ton privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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, often than records of conviction 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 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

I have dispute XXXX/XXXX. 

My original loan was sold to XXXX XXXX XXXX XXXX XXXX. The problem is that I made my final payment and received an email advising mouth loan was paid off. About two months later I received a letter stating i owe a final payment to the new company. I informed them that I made the final payment to the old servicer. They basically  said, " Contact them to receive a refund ''. So, I paid XXXX and they said my account was paid off but they said I was 60 days late and denied that the account was paid off before transfer. I contacted them several times informing them that this inaccurate reporting has devastated my credit profile. 

I reached out to the Transunion, XXXX, and XXXX  to inform them of dispute and inacurrate information reported. I sent two letters to each bureaus asking for a full investigation to resolve my issue. All  three bureaus failed to verify with a real investigation, they did not provide me with any names or any real proof of investigation. I exaplained that I do not contest with eOscar. 

I am requesting that XXXX XXXX XXXX XXXX XXXX 60 day late payment be deleted from my credit profile. 

P.S. 
All of the three major Bureaus Failed to meet the 30 day deadline for investigation. 

Sincerely XXXX XXXX Address : XXXX XXXX XXXX   XXXX, NC XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION ON MY EXPERIAN CREDT REPORT IS NOT CORRECT LONG DELAY 'S ON  CORRECTING SCORE CAUSING A NEGATIVE AFFECT ON MY CREDIT. XXXX CREDIT SCORE IS XXXX AND MY XXXX IS XXXX MYEXPERIAN   SCORE XXXX THIS HAS A NEGATIVE IMPACT ON MY SCORE. MY XXXX XXXX XXXX ACCOUNT IS XXXX. THIS IS A 48 POINT DIFFERENCE ON MY XXXX   REPORT AND 61 POINT DIFFERENCE ON MY XXXX. EXPERIAN IS A MAJOR CREDIT REPORTING AGENCY PLEASE HAVE EXPERIAN REPORT EXPLAIN THIS DIFFERENCE TO ME. THIS IS A UNFAIR PRACTICE THAT THE OTHER REPORTING AGENCY DO NOT FOLLOWING WAITING EVERY 30 DAYS TO UPDATE CREDIT INFORMATION. THIS PRATICE REFLECTS A NEGATIVE IMPACT ON MY BUSSINESS DEALINGS. WHEN PAYMENT IS MADE AND REPORT BY BORROWER IT SHOULD REFLECT ON EXPERIAN CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 

THE BELOW ACCOUNTS ARE REPORTING LATE PAYMENT HISTORY WHICH IS INCORRECT. I NEED THESE ACCOUNTS AMENDED TO NEVER LATE IMMEDIATELY.
Product: Debt collection

I cancelled my tv subscription with XXXX XXXX XXXX. ( my account XXXX ) followed their instruction about returning equipment. On XX/XX/year> I got a confirmation email that the equipment i returned was received by them. However weeks later i started to get phone calls saying I owed the companies because i did not returned the equipment. 
I kept explaining that I returned but nobody was able to help. Many times it was me that tried to contact them to solve the issue by always got unhelpful answers. 
It is interesting to note that along the many phone contacts I had with company 's associates I got different stories about why I owe them. Some told me that I did not returned equipment, others that the equipment was defective ( which is not because I just unplugged while working and returned it ), and other that I dint pay my last bill ( even when I had autopayment ). 
Now I got a letter from a collections company saying I owe {$130.00}. I contacted them to explain why I owe and they say because XXXX XXXX XXXX put me in collection because I did not returned equipment. They insisted that I owe and that I can settle for {$100.00} The collection Company is I.C. Systems IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX Reference number XXXX
Product: Debt collection

XXXX XXXX XXXX is a debt collector that has failed to provide me with proof that I owe them any money. I have sent them several Debt Validation letters asking for proof that I owe them money, they have failed to provide me with any documents with my signature showing I agreed to pay them the alleged debt. Still they keep reporting this alleged debt to the three major reporting bureau 's ; XXXX XXXX, XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a investigation letter to XXXX, XXXX and Experian to please investigate every piece of information is correct and 100 % accurate if not please remove it from my credit report.I got the results and The credit bureaus stated that these accounts XXXX XXXX account number XXXX and XXXX XXXX also knows as XXXX XXXX and XXXX account XXXX is 100 % accurate but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 14 U.S.c 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent give these accounts written permission to furnish these account on my credit report 15U.S.C 1681 ( A ) 4 states there is a need to insure that consumer reporting agency exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. 15 U.S.C 1681 ( I ) ( 5 ) treatment of inaccurate of unverifiable information They didnt do the proper investigation.If after Reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that item of information as appropriate base on the results of the Reinvestigation. I called each credit bureaus 3 times to let them know they or in violation of these accounts and delete them immediately they said no. I dont want dispute these accounts I want them deleted plus a XXXX dollars per violation I have challenged and dispute these accounts 4 times they are in violation
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX my wife XXXX XXXX XXXX enter into a contract with XXXX XXXX XXXX XXXX XXXX  XXXX and Goodleap llc for solar panels. She used my personal information to obtain the financing for solar panels without my consent and knowledge. On XX/XX/XXXXXXXX  in was aware of installation of solar panels. On XX/XX/XXXX while checking my credit reports I asked my wife about Goodleap llc on my reports for {$55000.00}. She said nothing to me and said you should check it out. On XX/XX/XXXXXXXX   I was about to get in contact with representative from Goodleap and XXXX XXXX XXXX they told me my wife used my personal information to obtain loan for solar panels. I spoke with sales representative XXXX XXXX and liaison XXXX XXXX for a XXXX based organization that donates to local churches for solar panel referrals. She told them that she has Power of Attorney for me but never produced any documents and they signed the contract s on good faith.
Product: Student loan

I am a XXXX XXXX and have worked since graduation from college serving XXXX XXXX communities. I recently submitted my employment for certification for the Public Service Loan Program. My employment was certified. However, when my loans were transferred to Fed Loan Servicing, they informed me that the payment plan I had been on previously made me ineligible for the PSLF. 

I have registered a complaint with my previous loan service, Mohela. My loans were transferred three times in four years, from XXXX XXXX XXXX ( XX/XX/XXXX ) to XXXX ( XX/XX/XXXX ) to Mohela in XX/XX/XXXX. Each time my loans were transferred, I spoke to customer service to confirm I was in the right payment plan for PSLF. Each lender assured me I was. When I spoke most recently with Mohela customer service on XX/XX/XXXX after being told I was ineligible because of a previous payment plan, they informed me that I had been in the correct payment plan but that the terms of that plan were wrong. They provided me misinformation about the terms of the loan, and can not fix the history of my payments. 

I have worked over ten years in public service, but because the loan companies who had my loans provided me inconsistent and incorrect information, my employment does not count towards my loan forgiveness.
Product: Credit reporting

This complaint is against Trans Union. 
I have contact Trans Union in number of occasions of an abnormality with my credit report. 
I am enrolled with a credit monitoring with TransUnion, named " True Credit. '' Whenever there is a change, new account, major derogatory listed, account information posted on my credit report. I will get a notification. When I opened several new accounts in the past, for whatever reason - they will never show up on my TransUnion credit report - however I will get a notification that it did. So, a few months ago, I requested my credit report from TransUnion and a huge envelope arrived - with XXXX credit 'profiles ' attached to my social security number. I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting TransUnion to fix this - however, I will get the same automated response by them sending me a new report with no new information updated. Additionally, I have attached my reports with the " You have been on our files since : '' circled XXXX/XXXX/XXXX - I was a minor at the time, XXXX years old! 
XXXX/XXXX/XXXX XXXX/XXXX/XXXX Each report has its own information. 
This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. I would like to add, whenever creditors pull my credit report - it appears to them that I have filed bankruptcy, which is not true. I believe that Trans Union has committed and violated federal laws - and concealing what is actually on my credit report.
Product: Mortgage

Today is XX/XX/2024 and Select Portfolio Service has not sent my monthly statement, Or my annual mortgage statement. There are thousands of complaints about Select Portfolio Servicing deliberately not mailing out customers mortgage statements so they can charge late fees. I have filled complaints about this issue. I have a paper trail of deceitful, fraudulent acts committed by Select Portfolio Servicing. They have copied and pasted my name to fraudulent documents and forged by name to fraudulent documents. Select Portfolio Service is a corrupt company. The law requires mortgage lenders or servers to send out monthly statements for each billing cycle. As well as an annual mortgage statement.
Product: Credit card

I recently opened an Amex Gold card and went through the general process of application to receiving the card no problem. I then had a few transactions in the city of of residency for very low amounts and found out that my card ended up not being able to swipe on the third or fourth transaction. I called in to inquire why and was told that they could not give me more information because they would contact me on the number on file for security reasons and also told me that they had given me a call. Both of these things I 'm certain did n't happen so I went online and checked my number and it was correct. Amex had me open a new line then failed to provide reasonable stated services and blocked my account. Now when I call in, the wait times on their fraud department is over XXXX minutes ( still on hold right now waiting for a representative ). I will fail to receive my early spend bonus if they keep me blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts listed on my report that I have no knowledge of. This is an error or a result of malpractice. I am submitting this complaint on behalf of myself.
Product: Money transfer, virtual currency, or money service

Coinbase failed to protect my funds which were stolen and their Wallet product has security flaws that allowed this to happen. {$75000.00} was moved out of my Coinbase wallet by a scammer and Coinbase did nothing to stop it or warn me about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax regarding multiple Hard Inquiries that did not belong to me, the representative and I went through all of the the inquiries that did not belong to me and she insisted they should be deleted within 30 days and they are still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
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