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

To whom it may concern, I recently pulled my credit and noticed a collection with CMRE. I called CMRE to inquire about the collection and was advised theyd delete it with payment. When I called back and paid the collection, I was advised they wont delete it and to add further insult to injury, I was then advised I had additional collections with them that were not on my credit profile. Since I am working on a home loan, in my panic I paid the additional amounts. Keep in mind, I received no phone calls or contact via US Mail with regards to amounts owed. Due to that, I was not provided the full statutory period in which to dispute the validity of the debt ( s ) in question as I did not receive my initial notification regarding the debt per the FCRA guidelines. I would like the collection ( s ) thats paid in full to be removed from my credit due to erroneous, abusive collection practices as it is prohibiting me from moving forward with a home loan. 

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

I was trying to temporarily lift the credit freeze using a pin that I placed a couple years ago. At both XXXX and XXXX  I was successful however due to unknown difficulties with Experian it seems I will not be able to do this today. 

For Experian I have the pin, however the online entry system rejected my request. Instead a long message came up as attached that says I need to mail them ALL of my valuable identity information. I do NOT want to send my SS #, copy of driver 's license, utility bill in an envelope -- Asking customers via mail seems is an invitation to identity theft as one only needs to look for mail addressed to " Experian Security Freeze '' to grab all of the sender 's personal identity information. 

Finally, no one can be reached at Experian. It seems there is ONLY the automated system and no customer assistance by phone. Are credit bureaus required to have phone support? What about the people who do not have access to a computer? 
-- -- -- -- -- -- -- -- -- -- -- In conclusion, I want to be able to ensure this is fixed and that I can instantly lift the freeze at Experian in the future. I do not trust their process at this point and am concerned that I do not have control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am existing customer with Bank of America. I called and asked if they could give me 0 % balance transfer from a XXXX Card. They said I would need to apply for a new card. I did and was approved for Card # 2 for  {$5000.00}. I called a week later to give them the account I wanted to pat off ( XXXX ). Then then told me they could waive the 3 % fee if I got yet another card ( # 3 ) They said they would blend the 2 new cards into one. Today, I received a notice that I was denied credit on Card # 3, my credit score was lowered 30 points, and if I had a problem I should contact XXXX. XXXX only has automated calls with 2 options : get a report or get a score. I called BOA back and have been sent through 4 people. One told me I shouldnt have opened cards # 2 and # 3, which they  recommended. 
I want my credit restored.
Product: Credit card

I woke up to a Welcome letter from Chime, which seems to be some credit building card/account. I never signed up for this at all. I was able to request a reset of the password and log into " my '' account which is filled out to be me but with a spelling mistake in my name and a VERY old address. Again, I never signed up for this, I have never looked into a credit building card of any kind.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : Unknown - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

We moved in on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on a month to month bases and no contract. We were in the process of buying a home, we left the apartment onXX/XX/XXXX. We then found out that they were trying to charge us with the amount of XXXX dollars for a dirty stove and a few stains on the carpet, yet the apartment we received already obtained old appliances and an old carpet. This charge was sent to collections without any notice a dispute was then claimed upon us in our credit report, we are stating that we do not dispute this account.
Product: Credit reporting or other personal consumer reports

All of my personal information was stolen out of my car, I immediately filed a police report and an Identity theft report with the Federal Trade Commission. When I looked at my Transunion credit report I noticed that I had over 43 hard inquiries to places I never applied to. I filed a dispute with TransUnion and submitted the Identity theft report filed with the FTC as well as the police report. Transunion refused to remove the hard inquiries and sent me an email saying that my ID theft reports were not filed with a government agency, basically saying they were fake and refused to remove them.I have been able to get them removed from my XXXX  and XXXX credit report. Transunion continues to give me problems and accuse my documents of being fake. When I called Transunion to dispute those inquiries they told me that Hard Inquiries could not be disputed and were a factual record, even though I had the documents for my identity theft.
Product: Mortgage

I was researching mortgage rates and was on XXXX   XXXX 's website. In order to view their info you have to register. No sooner did I click the button and my phone instantly started ringing. In the 18 hrs since then I have received one dozen calls, 1 text and 3-4 emails from various companies. Nowhere in their literature did it explain that by clicking their website registration, that I would be placed into a broad distribution scheme and would start receiving sales calls. XXXX XXXX   needs to stop and ask for permission to pass your information on and it needs to be a limited number of people.
Product: Checking or savings account

This is on my XXXX account and I never authorized this at all! Whoever this is, I want my money back. No thanks to him, I have no money to withdraw tomorrow and will not able to buy bitcoin. I want my money back now! 


Paid with WELLS FARGO BANK NA XXXX {$52.00} Your backup is VISA XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX Note Details Sent to XXXX XXXX {$50.00} Fee {$2.00} Total
Product: Checking or savings account

On XX/XX/XXXX the IRS deposited my XXXX tax return into my Bank of America account that was supposed to be closed since XX/XX/XXXX. When I contacted them in reference to my deposit they informed me it would be XXXX days before I receive a cashier check. However I was confused as to why the deposit was accepted when my account was supposedly closed. I spent days talking to different departments about what the issue could be. First it was fees owed, then it was open claims, the list goes on. The entire month of XXXX from the XXXX I was told once the fees were cleared the account would close and Id receive my funds. Its a month later and my account is still not closed, theyve debited my account for the fees they claim I owed and I still have yet to have access to my funds or receive a cashiers check. Im currently going through a hardship where Im at the closing process for my first home for me and my children and Im currently pregnant. Ive stressed to them over and over the mental and emotional trauma this is causing. That money, my money is for my down payment and Im only allowed so many extensions before the sellers go with another buyer. Ive filed and requested the hardship request with Bank of America to go in and withdraw my funds and it was denied. Ive been with them XXXX I dont understand why this is happening.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. TransUnion and XXXX continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the United States Bankruptcy Court as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. XXXX and TransUnion has both sent me letters stating that they reached out to the Court and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me XXXX  XXXX and XXXX. 

I demand that this information be removed from my credit report immediately and once removed that it does not show back up on my credit report.
Product: Debt collection

On XX/XX/2020 I mailed a CRRR # XXXX to AmeriFinancial Solutions to the address listed on recorded on XXXX  and XXXX for a verification of dept for two medical collections from XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$1200.00} and # XXXX {$1300.00} that have been placed on my credit reports. 

On XX/XX/XXXX. 2020 USPS noted " MOVED LEFT NO ADDRESS '' and return the item. I followed up letter that was mailed on XX/XX/2020. This 2nd notice to a different address listed was delivered and there has been no reply. 

Under the FDCPA a debt collector must provide proof of such debt. Amerifinancial Solutions has committed several violations by failure to reply and verify these debts.
Product: Credit reporting or other personal consumer reports

i was a victim of idetity theft starting in the year XXXX and has still occured to the present day until i put a fraud alert on my consumer report as of XX/XX/XXXX i also have a police report to verify my identity theft.

the F.C.R.A ( 15 U.S.C. 1681s-2 ) STATES THAT FAIR AND ACCURATE CONSUMER INFORMATION MUST BE REPORTED SO ALL THESE UNAUTHORIZED ( HARD INQUIRIES ) SHALLL BE REMOVED DUE TO IDENTITY THEFT IF THE ( HARD INQUIRIES ) ARE NOT REMOVED THIS IS A DIRECT VIOLATION OF ( 15 U.S.C 1681n ) which holds the credit reporting agencies liable for complying with the F.C.R.A SO XXXX, XXXX, TRANSUNION ARE HELD LIABLE
Product: Credit card

This new complaint is related to the previous complaint case XXXX against Commerce Bank for their illegal activities which was filed on XX/XX/2024. 

In this new complaint dated XX/XX/XXXX, XXXX is complaining about a second un-authorized balance transfer made by Commerce Bank. The first one was made on XX/XX/2024 ( Thursday ) and this second one is made on XX/XX/2024 ( Friday ). Both un-authorized balance transfers have added up to a total amount of XXXX dollars. 

On XX/XX/2024, Complainer has made clear to XXXX XXXX ( the chief customer representative of Commerce Bank ) on the telephone that Complainer does not want to continue doing business with them because of their unreliable banking practices and illegal activities. The balance transfer made on XX/XX/2024 should be immediately invalidated because Complainer did not authorize the balance transfer. However, the Commerce Bank has made a second un-authorized balance transfer today, XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information about me on my credit report.
Product: Credit card or prepaid card

I 've had the Fidelity rewards XXXX card for several months. The card was supposed to come with an introductory bonus promotion of, I believe, {$100.00}. I have not received this bonus. In addition, I have referred 2 family members for the card and have not received the referral credit bonus either.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I don't know about them, and the company did them without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kikoff, gave me credit and didn't tell me in writing that I owed them money. They never told me I owed payments to them at all. They are totally deceptive have have fraudulent business practices. How could I pay them if they didn't send me a bill. I want the delinquent account from Kickoff taken off my credit report. I've paid my credit cards on time or in advance. 
Please don't let this corrupt business harm me and other Americans. We deserve fair businesses. And, Kikoff is not fair. There fraudulent and totally unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I got a background check preformed by a company named first advantage. The check was preformed on behalf of XXXX. I was told I have a XXXX  conviction in XXXX this information is false and has cost me several jobs. 
.
Product: Money transfer, virtual currency, or money service

My account with Coinbase ( coinbase.com ) was hacked and {$2500.00} was withdrawn from my account. Someone hacked into the account, and withdrew transactions from XXXX and checking accounts which were connected to Coinbase. This happened on XX/XX/XXXX and is due to Coinbase 's inadequate safeguards.

I raised a complaint ( Help Ticket ) with Coinbase and they said that they would investigate and get back to me in 4-5 days. Since then I have sent them numerous emails as followups ( they have no phone number to call ) and they will not return any of my emails. I have meanwhile asked XXXX and my bank to help as well.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on HILLCREST DAVIDSON & A ( Original creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

On XX/XX/XXXX I was notified by XXXX XXXX XXXX XXXX ticket agent XXXX XXXX that my Goldman Sachs Credit Card will be charged with if I remember correctly {$300.00} that day, I had 3 partners that were split 4 ways in the amount of approximately {$8300.00} for the season on my card. I called them all within 4 hours of the amount being charged, roughly {$930.00} beginning the following month of XXXX thru XXXX of XXXX. None of us could afford that payment as 3 out of 4 suffered heavy losses of income due to covid. I notified XXXX my agent that we were forced to give up the tickets. XXXX XXXX charged the {$930.00} amount anyway. When I saw that deducted from my bank account I notified my bank who contacted Goldman Sachs I cancelled the card, and my bank demanded repayment to my account of the {$930.00} XXXX XXXX and Goldman Sachs took even though I cancelled the season tickets XX/XX/XXXX for season beginning 7 months later. 
XXXX XXXX and Goldman Sachs continued to charge me {$930.00} a month by notifying all credit bureaus, Causing my credit score to drop from over XXXX, XXXX points to XXXX. That caused my variable mortgage and loan rates to elevate. At XXXX time I supposedly owed over {$12000.00}, with close to XXXX in penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a account open in my name win Pend last year. I send a dispute letter and a Id theft affidavits about a month ago and I havent heard back from them. Account still reported to my credit report. Did a fraud report about some one stole my Id and personal information. And they still havent resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2021 until XX/XX/2021 I was a client of Lexington Law and paid them a monthly fee to help improve my credit and get things removed from my reports. However, during that tenure I had one or so items removed from my report even though I had multiple hits on my credit score due to things that have already been paid in full and should have been very easy to get off my reports. Unfortunately, that was not the case and I requested feedback on why certain things were not being removed and what was causing it and the Lexington Law staff member informed me that I was the problem and somehow it was my fault they could not get things off my credit. I was extremely taken back and then asked to be removed because I expected them to be the experts and it seemed like they did not care about my actual success in the program as long as I paid. Not only did the women disrespect me verbally she refused to close my account and attempted to continue charging me and demanding I owed them. I had to call back and speak to someone else to request cancellation of the program. I then saw a decline of over XXXX points in my credit score as soon as I left the program. This was done maliciously with the intent to destroy my credit in order for me to sign back up with the program.
Product: Debt collection

Comenity Bank ( Bonton Credit Card ) has been calling both our house phone and my cell phone repeatedly, all day long, leaving no messages, and calling from a blocked number. I do n't usually answer unitentified numbers, but I could n't take it anymore! When I answered and followed the robo prompts to speak to a person, I was hung up on! I do owe a ballance that I intend to pay, but the calls will not stop! My husband works shift work and needs is being deprived of sleep.
Product: Credit card

I am being harassed by Targets REDcard I had only XXXX charge on the card for aprox {$66.00} dollars around XXXX of last year thats when I realized it was a mistake to do business with Target. They said i was late so i owed them 35 dollars on my 66 purchase I paid the 66 and at the same time communicted to them through my credit account electronically to request that they remove the 35 dollar fee/fine/extortion as the cost of doing business with them, they apparently do n't check there e communications because i waited and waited for a reply and never got XXXX, XXXX they charged me 35 fee/fine/extortion again for not being a obedient XXXX so now they said i owed them 70 on my original purchase of 66 which i had paid, they finally reply to my e communication in XXXX asking me to call them. so i called them and i was told a supervisor would call me back which they never did but then i started getting robo calls from them but when you answered them they wouldnt connect. now by XXXX they added another 35 dollar fee/fine/extorion so now i owed {$100.00} on my original purchase of {$66.00} which i had paid in full months ago, they say they chancelled my card but they keep adding 35 dollars to it and apparently i also have to pay interest on their fees/fines/extortions. so a few days ago i called and talked to a team member who said they couldnt do anything now but they could have removed the original fee in the first month, they also claim not to have received any e communications from me even though i have the saved email resonse in my email account. now they have locked my credit account so i ca n't view my bill online??? totally disablied it but they now send me emails to log in??? I know now what the red target means
Product: Money transfer, virtual currency, or money service

so i purchasex a XXXX western union money order i no longrr needex it so i toom the money order to XXXX XXXX XXXX a total of 3 of them that wouldnt pay me the money order says payable at XXXX XXXX but they wouldnt pay me its ridiculous and i am tired of the sham the we american citizens are faced with
Product: Credit reporting or other personal consumer reports

I am writing to complaint to DISCOVER BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two accounts on my credit report, I have late payments due to having Covid and I was unable to work. Therefore I was late making payments on time. I explained this to all 3 credit agencies but they denied my request to have them removed. The account are XXXX and XXXX XXXX. On XXXX I was late XX/XX/2022 and XXXX XX/XX/2022. I asks that these late payment be updated as pay as agreed and never late. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as I purpose.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit Reporting Act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I Have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX  XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021