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

XXXX has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX XXXX all in violation of Family Privacy Act of 1974, 15 US Code 1666B - billing error. Theres no law stating any transaction needs to be reported. I want to ask them about privacy and consent? 15USC1681 ( b ) States all ( 3 ) bureaus can't report anything on my credit report with out my written consent. Which I never gave. 15USC1681 ( c ) -1 Without written consent, It is identity theft. 15USC1681c-2 Once notified which they were they must remove from credit report. They've also been making a profit off of selling my information with out my consent. Violation of 15USC1611 inaccurate information. This is effecting my ability to live. Credit denials because of this information on all of the bureaus.
Product: Debt collection

Account Resolution Services, which I hold no contract nor have I recievedservices reported a collection account against my social security number XXXX XXXX XXXX in the amount of {$690.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failedt to provide adequate proof. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports from XXXX and Trans Union, I have identified several credit inquiries that I did not authorize. These inquiries have adversely affected my credit score and potentially exposed me to further financial and identity theft risks. The unauthorized inquiries include but are not limited to 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries were made without my knowledge or consent, and I have not engaged in any financial transactions that would justify these hard pulls on my credit. Their presence on my credit report is erroneous and suggests a failure to maintain secure and accurate records, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

And the responses from the Credit Bureaus have been nothing less than fraud, labeling these as factual data for a XXXXXXXX XXXX not applying for credit.
Product: Debt collection

My wife and I planed to have a screened in room built in XX/XX/XXXX, a man came out to my home from a company XXXX and went through everything with us the cost was {$10000.00} we signed paperwork for a loan from XXXX, we never heard from the bank or XXXX. 30 days later we received in the mail a bank statement for the amount of {$5000.00} to be paid to XXXX We called XXXX but could get any answers to why we own money come to find out XXXX went out of business and somehow had gotten money from XXXX ( scam ) and the bank is trying to collect money from us we hired a lawyer to look in to the matter but its been so long ago we though the case was done and free of the bank until it showed up on my credit report judgment XX/XX/XXXX
Product: Mortgage

In 2014, my husband passed away. I am on the deed and mortgage for the property, however, I am not on the note. HFC will not speak to me. XX/XX/XXXX, I sent a Notice of Error requesting that they discuss the account with me. My attorney sent a letter with a release and we never received a response. I need to talk to my Servicer because there is a balloon payment in the near future.
Product: Money transfer, virtual currency, or money service

I originated a wire transfer on XX/XX/XXXX to a company called Coinbase to invest the money in cryptocurrency. I followed the exact instructions and wired {$4000.00} from my checking account to my Coinbase account. I confirmed with my bank that the wire was completed and also called the recipient bank XXXX XXXX XXXX who also acknowledged receipt of the wire on the XX/XX/XXXX.

As of today, XX/XX/XXXX, the money has not been credited to my account and all inquiries go unanswered. I have attached the wire information for your information : The wire originated from XXXX XXXX XXXX XXXX Transit Routing Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX Confirmation Number XXXX From Account XXXX To Account XXXX Wire Processing Date XX/XX/XXXX Wire Submitted Date XX/XX/XXXX Amount {$4000.00} Receiving Bank Name and ABA Number XXXX XXXX XXXX, XXXX Beneficiary Name and Account Coinbase, XXXX XXXX ( Additional Notes ) XXXX Status Completed XXXX  XXXX Please find the address that I could locate for Coinbase : ( XXXX ) XXXX Coinbase, Inc 5 years in business XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Sadly, it seems that I am not the only Coinbase victim and I have read multiple posts from people experiencing the same issues.
Product: Credit card or prepaid card

I purchased this netspend card at XXXX in XXXX. I added {$20.00} to the card upon purchase. I called to try and activate to use and they have not activated the card. I have given them all necessary information and they still are saying I couldnt be verified! I asked for my money back and they still have refused. This should be against the law to keep my money that I added to this card. I have called three or four times and after speaking to different departments I am transferred right back to the automated system.
Product: Credit reporting

In correct information of my credit report including a number and fraudulent accounts open in my name.
Product: Credit card

Barclays Bank DE opened a credit card using my personal information, I did not apply for this card and have been in contact with them on numerous occasions, In XXXX I called and while on the phone with them the account balance went from {$3000.00} to {$15000.00}, I put in a complaint with XXXX and Barclays Bank said the account belonged to me. 

I can see that there was a payment in XXXX, I assume they would be able to follow that payment to see who opened this account. ( Card ending XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A states I have the rights to privacy.

These names, numbers and addresses do not belong on my credit report. 

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, AR XXXX NUMBERS XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the exclusion of any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts have inaccurate reporting in terms of amount and dates.
Product: Debt collection

Affidavit for identity theft was filed for XXXX XXXX under ID # : XXXX and sent via mail twice ( XXXX XXXX & XXXX XXXX ) to address to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX committed identity theft by using his identity to apply for credit without his consent. This was discovered after XXXX passed away on XXXX XXXX, 2024. 
I spoke with several representatives on the status of this and an update is never received. I'm only informed to call back and being transferred to several representatives. Finally spoke with XXXX XXXX on XXXX XXXX, 2024. I was informed by XXXX XXXX to send a police, FTC, & XXXX XXXX reports, XXXX XXXX ID & XXXX XXXX. XXXX XXXX informed me that I did not have to fill out the affidavit. I contacted. XXXX XXXX provided me her phone number and the extension : XXXX ext. XXXX. I have received XXXX letters attached with blank affidavits in the mail and a letter requesting me to fill this out. I filled out this form and mailed it. I have asked for documentation to be sent that the investigation regarding this is pending and for the results when the application is complete.
Product: Debt collection

I called CMS this morning to arrange payment on my school loans that had gone to default. I dont make a lot of money, I have a lot of other bills, but I would like to be working towards some end of my debt, even if Im making small payments. The call started off relaxed as I explained I wanted to start off with small payments and increase them in the future. This is where things started to take a dark turn. I was told I needed to make a payment of over {$4000.00} up front and then go onto a payment schedule of over {$600.00} a month. I told him that was impossible. My budget allowed more towards {$100.00}. He started to become invasive in where I worked, what kind of money I make, telling me there was no way theyd allow me to make that low of a payment. I had let it slip early on in our conversation that I worked in retail and would have longer hours soon. He said I should put all of my extra money into paying my loan and that I should also use my tax return for it. I was getting beside myself and trying so hard to get him to understand I couldnt, I needed a new car ( mine is totaled ) and he took advantage that moment to accuse I was trying to put all my money towards a lengthy car payment ( not true ), to which I said, look, I have to drive to work in order to pay you, if I dont have a car to drive to work, I have nothing. I said somewhere I was borrowing my moms car and he said I should ask my parents for money to pay the loan. I said, well, my dad is dead. My mom is on a fixed income. He kept pushing that my mom should pay my loan. I said, Im supposed to just borrow my moms money and try and pay her back over 20 years? And he said like youre doing to us? I said the whole argument was ridiculous because she has no money, shes sick, and over XXXX years old. He stopped pressing that point. Then he said I should get a second job. At this point I was crying. I was in XXXX  just to be at THIS point, I couldnt handle a second job. I was sobbing. I said I called him, I was trying to give him money for my loan. I said it was pointless to tell him, but that were at time in our country where people arent paying loans. But I called HIM. Im trying to pay and he wont let me. He finally said he would accept {$200.00} a month for 4 months and then reevaluate in XXXX. 

This was horrible. I was determined to start paying back what I owed and now Im fearing how Im supposed to go on without an extra XXXX dollars a month. I felt attacked personally on all sides, I felt traumas revisited, i feel less inclined to try and settle other debts, I was crying on and off through work all day. I feel abused and emotionally exploited. This is a problem because I know Im not the only one experiencing conversations like this. It is not helping and it makes me want to cancel everything and just disappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an in XXXX your of bankruptcy placed on my credit file. I filed a complaint with transunion and XXXX XXXX. The other agencies are not reporting any collections and XXXX XXXX sent me a letter thru the CFPB portal advising that they have removed that record.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : An account opened at XXXX XXXX  on XX/XX/XXXX, A credit card account opened with XXXX XXXX  opened in XXXX of XXXX, An account opened with XXXX XXXX XXXX XXXX in XXXX of XXXX And an account under XXXX XXXX XXXX  opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with all XXXX of the XXXX XXXX XXXXo remove all addresses and misspellings of my name and yet they keep coming back and keep showing up I have filed dispute letters, and yet of no avail.
Product: Credit card

The company stated that Amazon took the money out by mistake and that everything was taken care of. There was nothing to let me know that I was going to be charged double next month for something that is not of my purchase. Please stop harassing me with this charge
Product: Money transfer, virtual currency, or money service

My landlord, before she got fired stole my money order for my rent and went and cashed it herself and kept it. I have been with bank of the west for 5 years they have seen me there once or twice a mo th for five years but let an unauthorized transaction take place when my name was on the check they did not call me or anything. I have an ongoing police investigation and a detective looking into everything. I have tons of proof this is complete fraud and bank of the west refuses to reimburse my money which was XXXX dollars. XXXX the main XXXX  XXXX refused to give me any paperwork or her supervisors number. She refuses to give me my money back even with all the proof of fraud. I am very concerned people who work at this branch are committing acts of fraud. Why would they allow such a transaction to take place and then not even reimburse it? I do not know which way to go but the people who work there and my landlord need to be held accountable for there actions. Please someone call me. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is new and relevant information about my ongoing dispute with XXXX XXXX. I was a victim of identity theft which resulted in fraudulent accounts being opened on my behalf. I filed a FTC report and I sent XXXX XXXX the Identity Theft packet. I have requested that the Cease and Desist communication with me which include all mediums such as reporting to my credit bureau. I am a federally protected consumer and XXXX XXXX is violating my consumer rights under the FDCPA still contacting me sending me bills, requesting payments and reporting a fraudulent account to my credit file. They are also violating the FCRA, permissible purposes. It is my right to decide what I want reported on my credit file. I never gave XXXX XXXX permission to report anything on my behalf. I demand that they stop all reporting to all CRA 's and remove the accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple fraudulent accounts and inquiries that have appeared on my credit reports with all three major credit bureaus ( XXXX, XXXX, and TransUnion ). Despite multiple attempts to resolve these issues directly with the credit bureaus, these fraudulent entries have not been removed. 

Details of Fraudulent Accounts and Inquiries : Accounts : XXXX XXXX XXXX, open date XX/XX/XXXX XXXX  XXXX XXXX, open date XX/XX/XXXX XXXX XXXX / XXXX, open date XX/XX/XXXX XXXX XXXX, open date XX/XX/XXXX Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 's XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Attempts to Resolve the Issue : I have sent multiple dispute letters to the credit bureaus using my legal rights under various laws including : Section 609 ( a ) ( 1 ) ( A ) 12 CFR 1006.34 ( b ) ( 5 ) 15 USC 1681 I have also informed the bureaus that I will pursue legal action for each fraudulent account and inquiry left unresolved, demanding {$1000.00} per account and {$10000.00} for pain and suffering due to my inability to rent or buy a house.
Product: Credit card or prepaid card

I received an email saying Im past due on my capital one account. I have told Capital one before that i am not able to access my account due to phone number issues and verification. I never received a bill for any amount due. I only received a late notice and then my credit has been reported negatively due to their issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Existing Problem : I have also spoken repeatedly to different agents throughout this process. The last being XXXX ( agent # XXXX ) and her supervisor XXXX who didnt provide his agent number on XX/XX/XXXX ; however, he stated, because I was sent the confirmation the inquires would be removed and I would be sent a new confirmation letter showing the items would be removed but could not provide a confirmation # before speaking to an agent today XX/XX/XXXX, who told me the last agents made a mistake. He did not research this information. I have provided Equifax with XXXX XXXX contact information, XXXX XXXX is the head contact person at XXXX XXXX XXXX XXXX XXXX. She provided me with the letter sated the credit application was submitted in error. He informed that these items would be removed, not only because I have been dealing with this issue since XX/XX/XXXX. I have a letter that was sent to me from Equifax attached that these inquires have been removed dated XX/XX/XXXX. Since todays date the inquiries are still there. 

Please this process has been time consuming and mentally draining. I have done my part now they need to do theirs. XXXX and XXXX have deleted these items with the letter provided and speaking to XXXX XXXX @ ( XXXX ) XXXX or XXXXXXXXXXXX Thanks for your attention to this matter.
Product: Credit card or prepaid card

I used Discover Card to pay for my XXXX  XXXX  done at XXXX XXXX XXXX located in XXXX XXXX, Ca. I thought that this clinic was a legitimate XXXX XXXX, but as it turned out it was only a day spa illegally offering medical treatment such as XXXX, XXXX, XXXX, etc. to unsuspecting customers like me. So, I felt cheated and they deliberately lied to me. They put my health at great risk without any concern. The paper I signed, the treatment I received, the sales receipt were all part of illegal operation. Therefore, I asked for a full refund from Discover Card through charge back. Even though I informed them exactly what happened, they still took the merchant side ignoring the legitimacy of the entire transaction. I thought Discover did not do a thorough investigation. What Discover Card did was encourage businesses to conduct illegal transactions at the expense of innocent consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax on several occasions regarding inquiry on my report that I did not recognize I have been getting the run around for months I did not authorized any of these inquiry some are listed mupitle times. Below are the inquiry. 
Business Name Business Type Inquiry ForDate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/ XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

according to the FEDAL FAIR CERDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the first date of that account being late.According to CREDIT REPORT file from XX/XX/XXXX and credit report fromXX/XX/XXXX will show that the item I disputed is due for deletion
Product: Debt collection

Medical debts incurred for treatment and show all balances paid in XXXX 2016. Current account site shows {$0.00} balance due. Credit agency attached a derogatory account status. Medical provider was XXXX in IL. Current review of my account balances show no funds due. All accounts with no balance due.