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

I was a victim of Identity theft and I want this account to be removed. I have tried to work with the company and the credit bureaus to remove this but transunion refuse to conduct a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 : 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 XXXX 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: Money transfer, virtual currency, or money service

No fraud protection via XXXX despite the fact that it's offered through your bank! 

I used XXXX to purchase concert tickets however I never received the tickets. The amount was {$400.00} and was sent to XXXX ( XXXX XXXX ) via XXXX. 

I contacted XXXX to cancel the transfer only to find out that it's not possible and they can't do anything to recover my money.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I purchased XXXX XXXX XXXX Coinbase at XXXX per XXXX. A few days later I noticed that Coinbase was locking up purchases and sales of XXXX. Remembering XXXX XXXX theft in XXXX concerning other securities, I decided to record video and picture evidence that my purchases had been made, and that I had received the correct amount of XXXX. I also downloaded a report ( essentially a receipt of transaction ) from Coinbase, which also backs up the purchase I made. 

Days later the amount of XXXX in my account was reduced to XXXX. I was given no notice of this happening. It was also at this time that I noticed I could not make any sales through my account, but I could still make purchases ( which seems fishy at best, and fraudulent at worse ). I attempted to contact Coinbase, however they did not immediately respond, and so I also filed complaints to multiple regulatory agencies. 

Recently they did respond to me and tried to claim that it was a display error. This is not true, as I was given a receipt which stated I purchased XXXX XXXX  at XXXX per XXXX. A display issue would not have registered in the report. I still am not allowed to make sales through Coinbase, only purchases. What is the point of purchasing XXXX on an exchange when you are then cut off from selling said crypto? This is fraudulent behavior. I have already lost out on multiple profit opportunities due to Coinbase 's fraudulent behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights.

1. XXXX XXXX XXXX Original creditor XXXX XXXX  Account number XXXX. ( Date XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX  Account number XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Account number XXXX ( XX/XX/XXXX XXXX XXXX  ( Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX, INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or Experian. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX that has affected my XXXX.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Product: Debt collection

I was reviewing my consumer report and I noticed collection activity from Americollect Inc expressing that I owed a alleged debt of {$350.00}. Believing that this debt was paid in full, I then sent a debt validation to them. On XX/XX/XXXX, I received an letter with an itemized statement that had information from the hospital about myself that I didnt even know. These medical records are a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Americollect to have access to this information.
Product: Debt collection

United Consumers , Inc constantly attempts to collect debt from me when my insurance company ( XXXX ) already made the payment. I spoke to representative from United Consumers explained my situation and e-mailed EOB from XXXX but few months later I continue to receive letters from them. Agent from XXXX contacted United Consumers and faxed over EOB and I have asked United Consumers to setup a conference call between their client, XXXX and them but they refuse to do this. All they 're saying is they will send the EOB back to their client ( XXXX XXXX XXXX ) and go from there. I am very frustrated because this is just going in circles.
Product: Debt collection

Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX  onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I have learned that my identity has been stolen and used fraudulently. I have included several documents for evidence of proper reporting of the matter. I have mailed my complaints as well as attempted direct complaints with XXXX, XXXX, XXXX and Lexis Nexis, although XXXX did not provide an online option for my needs. There have been multiple instances of false personal information, addresses, hard and soft inquiries, phone numbers & email addresses. I have spent a great deal of time since my knowledge of the matter beginning in XXXX of XXXX, trying to clear all of the errors up. I filed disputes on XXXX of XXXX which remedied several items but not all and thus leading me to spend even more time and money to research remedies and to provide all of the additional documents ( included ). I have also found multiple instance of privacy violations which are addressed in the documents as well. I have since also froze all of those mentioned. As of this time, my home has incurred over {$50000.00} worth of loss and damages since XX/XX/XXXX.
Product: Debt collection

I started receiving phone calls in XXXX of XXXX stating I have an outstanding debt from XXXX. The company, Global Solution Biz, LLC is attempting to collect from XXXX XXXX XXXX from XXXX. This is NOT my debt. I was a victim of identity theft and no information was sent to me that I have requested. I have given the company my attorney 's information but they won't contact my attorney. They keep harrassing me but will not provide any information nor do they seem to believe this debt isn't mine. The only thing I have been told is that it was an online application. So far, no note, no payment history, no recored of where the amount was deposited, nothing. Now they are threatening to send their Quick Track Enforcement Team to our house. We feel threatened and want this to stop! Please help us, this debt is not mine and I need your help.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX, Il XXXX XX/XX/18 Chase Card Service XXXX XXXX XXXX XXXX, De XXXX ( F ) XXXX To Whom It May Concern : I am faxing this & sending via USPS. I am a regular Chase customer with Savings & Checking accounts. I also have a very good credit score with my monthly bills being paid on time. I am a senior citizen on a fixed income. I have # credit  cards. Yet when you sign up for credit cards, it does not convey the holder of these cards. Well I realize that @ least 3 of my cards are generated by Chase Bank. Mainly my XXXX card ; XXXX card & XXXX XXXX. 
With the XXXX season upon us, I have XXXX grandchildren to purchase gifts for. I had called the individual cards to inquire re : decreasing my interest rates. This was NOT considered by any of the cards. I am annoyed that with all these cards & Chase is making a lot of money off my interest % & yet not one will decrease my interest rate!!!!!! 
Why is Chase Bank sucking the air out of my lungs with these high interest rates????? Chase is making a lot of money off my purchases & yet wont consider lowering my interest rate on any one of the three cards. Disgusting customer service. 
Please contact me @ XXXX to inform me IF there is any consideration to be given to decrease my interest rates on any or all of the credit cards. As a large conglomerate, I do believe you are not suffering any financial hardships. PLEASE give this consideration. 

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

Around XX/XX/2022, I discovered that XXXX is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with XXXX transferred to XXXX  in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my XXXX and TransUnion credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. XXXX is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. XXXX completed their " investigation '' in less than XXXX weeks and stated my loan with XXXX was accurate. I then contacted XXXX and explained what I was seeing on my dispute report. The XXXX representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from XXXX that XXXX DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with XXXX. The representative told me she could not send me anything like that through email. I then informed her that XXXX did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from XXXX stating I paid off my XXXX loans with them. I then did another dispute with XXXX and uploaded the emails from XXXX. I then contacted TransUnion and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this XXXX inaccuracy. I have also reported this to my state 's Consumer Protection Division.
Product: Debt collection

I financed a XXXX XXXX XXXX XXXX for my job back in XXXX. Within 6 or 8 months, I was struggling to keep up with my notes and insurance. The vehicle was in mine and my grandmother 's name, she co-signed for me to get the vehicle. When I could no longer keep up with my notes, me and my grandmother both went up to the dealership to return the vehicle. They informed me that by doing that, I will not owe anything on the vehicle. We all signed papers, I left my vehicle at the dealership, and it was forgotten. 6 months later, I had a different vehicle. When I tried to put insurance on it, I was told I had a flag on my license for not having insurance on the XXXX XXXX XXXX XXXX, the vehicle I turned in 6 months ago. I immediately went to the dealership to resolve my issue, and they informed me that they shred all of their documents and they had no proof that I even turned in the vehicle, and I no longer had the paper either. Turns out, they kept my car in their parking lot for months before turning it over to the finance company, and I had no idea. I was eventually able to get the manager of Toyota to hand write me a letter saying that I willingly surrendered the car on a specific date in order to have the flag removed from my license. Recently, in XX/XX/XXXX I disputed this account on my XX/XX/XXXX credit report. They were unable to provide documentation to XX/XX/XXXX, and the account was removed by that bureau. It remains on my XX/XX/XXXX and XX/XX/XXXX reports, and it is preventing me from being able to do anything with my credit. I can't be approved for a mortgage or a new car loan. I need this account removed from my other reports as quickly as possible. The account number is XXXX from Toyota Motor Credit Corp.
Product: Mortgage

My Homeowner 's and Taxes are escrowed each month. My Mortgage Company, Roundpoint Mortgage Servicing failed to pay my insurance premium and my Homeowners lapsed. I had to pay this out of my own pocket to get re-instated. I can not get an answer to any of my attempts at reaching this company by phone, e-mail, certified letter, fax or secure message through their website. I can not get any answers from them as to why this happened. The funds are there, they just chose not to pay my premiums.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I canceled a transaction of {$180.00} but I never receive it back the references is XXXX The receiver was XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX My email is XXXX My phone number is ( XXXX ) XXXX XXXX regard
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick response and your decision to eliminate some of the fraudulent accounts listed on my credit file ; nevertheless, I continue to see other erroneous accounts shown on my credit file. I am sending you this CFPB complaint today to ask you to remove the bogus entries you have shown on my credit file once more. I sincerely appreciate the time and work you took to remove some of the things I asked you to remove. However, I discovered when I looked at my updated credit report that some of the things I had previously asked to be removed were still being recorded. On XX/XX/2022, I sent you a dispute letter asking you to reexamine my credit file and have the disputed entries erased as soon as possible. Please erase the following entries from my credit file once more : XXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX {$0.00}. These erroneous accounts are undoubtedly not mine, and the inquiries regarding me are unfamiliar. Please promptly erase the remaining bogus items from my credit file in accordance with Fair Credit Reporting Act section 605b. A violation of a consumer 's rights protected by the Fair Credit Reporting Act is continuous reporting of the disputed accounts.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and discovered the following debt collection agencies are not license to collect alleged debt in the state oXXXX XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : Non listed According to Florida Collection agency laws : Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about the alleged debt, in accordance to FCCPA which Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX  or after XXXX XXXX, unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money XXXX XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX aren't licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Product: Checking or savings account

Chime has refused to refund me for the amount of {$36.00}. 

On XX/XX/XXXX, someone stole my card information and placed a XXXX  order for {$36.00}. 

I have proof that the order was placed in XXXX XXXX, California. 
I live in Tennessee. 

I have proof that I was in Tennessee, driving home from work, at the time of the fraudulent charge. 

I have proof that I do not use XXXX. My only transaction was over two years ago at XXXX XXXX. 

I never authorized a payment to XXXX  or XXXX for someone in California to feed themselves XXXX 

I opened a dispute and it was denied. I opened a rebuttal to the dispute and it was denied. I attempted to reopened the rebuttal and they have offered to send me documents of the denial rather than resolving the situation rightfully in my favor.
Product: Debt collection

i never received any notice that this debt could be disputed. under FDCPA XXXX. it is my position that i don't owe this debt nor do i have a contract with XXXX XXXX for them to even attempt to collect on the alleged debt
Product: Credit card or prepaid card

I called many times to Bank of America and sent many times whatever documents they asked. I told them I did not authorize or sign any documents or receipts. Totally fraud transaction. Please help us to sort out these issue. 

Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX  XXXX XXXX XXXX XXXX  Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX  Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX  Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX Phone # : XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Account Number : XXXX Amount Total : XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount Total : XXXX
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to TRANSUNION 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/. The FTC report numbers related with this complaint 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 remove 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. This is a proper question of data and announcing.
Product: Credit card

Upon renewing my credit card and paying the {$95.00} fee in XXXXXXXX XXXX XXXX I was offered a retention offer to spend {$95.00} in purchase and receive a {$95.00} statement credit. This never posted to my account despite me fulfilling my end of the offer. I have contacted Citi Bank 5 times now, and they refuse to resolve the issue. I have heard complaints of this happening, and I figure they feel I will just eventually give up. Please advise. XXXX XXXX