23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I appreciate the effort you have invested in addressing the removal of certain fraudulent items from my file, stemming from an alleged identity theft. However, there remain items that require removal. This marks my third complaint, underscoring my unfortunate status as a victim of fraudulent activities. I have submitted this complaint to contest the presence of these items in my file, a direct result of the criminal activity. The items in question have no association with transactions involving the acquisition of goods, services, or money that I have authorized. Kindly expunge the reporting of these items from my credit file, as outlined per bureau XXXX XXXX XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items are unfamiliar to me. Furthermore, the information provided on these items has been deleted from other bureaus, casting doubt on their accuracy. The reported history date on these items remains a mystery to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached my new FTC report with reference # XXXX to this complaint.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XX/XX/XXXX XXXX Balance {$2200.00} XXXXXX/XX/XXXX XXXX Balance {$1800.00} XX/XX/XXXX XXXX Balance {$1700.00}
Product: Debt collection

The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members.
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. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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

They called my phone number repeatedly. I did not identify myself as the debtor and they threaten me by saying Im going to be in hot water if I dont deliver a message. And that they will file charges against me being a third-party. I called them back to try and figure out who they are since I am a debt collector by trade. They refused to give me the address when I asked and refused to identify themselves three times I finally called back a fourth time was able to obtain the address. And they call from a fictitious number - that is very similar to mine where I live however they are located in XXXX XXXX New York. They call the company name ASG, XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am formally file to complaint these accounts which are seems to be incorrect. The payment history and date to late payments are inaccurate. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. The Credit Bureaus are reporting false information and I believe the company is violating of the FCRA. Please assist me to correct the late payments from these accounts. The current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.Kindly assist me to correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise correct these following accounts immediately : XXXX XXXX XXXXXXXX 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

On XX/XX/XXXX, I received an email from XXXX insurance stating that they have received adverse information from a consumer report provided by LexisNexis Risk Solutions. The problem is I spoke with LexisNexis in XX/XX/XXXX and advised them that I wish to opt out of their services and demanded a Security freeze, so they would never provide consumer information about me. XXXX XXXX purchased account information about me from XXXX XXXX illegally when I had an insurance policy in Nevada, and I never set up any account with LexisNexis and have no business with them. I received confirmation in XX/XX/XXXX that I was opted out via email, however they have again violated my consumer rights by providing a report to XXXX after the opt out was in place without any express permission from me. The problem is LexisNexis, having purchased consumer data from an insurance company is violating the FCRA by sharing data without knowing any details about me or why my insurance was closed out- therefore, receiving a denial of insurance is adversely affecting me from getting a reasonable policy. Furthermore, I never heard of LexisNexis Risk Solutions until last year when they provided a negative consumer report about me to XXXX XXXX XXXX and other insurance companies without providing any specific details to these companies on my insurance policy actions. Their sharing data illegally affected me in XXXX, and therefore I demanded in writing to opt out of their database by filling out a form and submitting identifications online.
Product: Checking or savings account

Yes I have a coinbase compromised account and the XXXX XXXX XXXX made a claim that the account was reviewed and the account was delinquent and reported the irs having identity theft of the delinquent account in the time the account was closed and the delinquent account was compromised and distorted the funds delinquent. I contacted the case manager with the irs XXXX XXXX XXXX and she reported the account a imposter identity theft case ID was used to make the account compromised in duty and affidavit was filed with the case and the account had a hold from XXXX XXXXXXXX which was reported the case and under investigation dispute and filed the bank complaint compromised the account and left it to the customer service desk to guide warrant to the information and escalated claims to resolve with coinbase in the amount was token when the bank closed with XXXX XXXXXXXX with the delinquent account XXXX from garnishment and attachments from the beneficiary was restored from the case manager and the resolution team member asked me to give the documents from coinbase and update the claim that was took when the bnak was closed from XXXX XXXX banking and supply them with the restricted access of the benefits transfer with the payment update sent from my bank card and the bank sent it back with a hold from a compromised account with an agency reporting from XXXX that a telex transfer was sent to this bank in the XXXX XXXX  wallet and was compromised from a hacker data breach from coinbase tracker and XXXX XXXX works had a XXXX XXXX breach from this that has not been ID restored with the police report in bankruptcy and added to the report with XXXX credit bureau also inclined to deduct the payment from compromised bank account with coinbase log in banking processes with XXXX XXXXXXXX account XXXX from delinquent account reports it was stolen and XXXX XXXX office is ending the court documents to the case manager and also contact the supporting team member from consumers Financial protection bureau to access the banking needs that were compromised from I'd restoration officer in an attempt to collect a debt and resolve the matter with and affidavit from the account holder to verify bankruptcy and banking act needs from XXXX XXXXXXXX that were sent compromised bankruptcy reports with a petition and complaint order to protect the account with auto identity guard and evaluate the support teams with available information to support the compromised account security was documented and breached in order to obtain XXXX XXXX XXXX account transactions reported from XXXX refrastructure XXXX XXXX XXXX bankruptcy terms with case ID and email the document to coinbase tracker data breaches from support group to remove the security from making transaction that restricted our account access in sending the payment to XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I have been asking for a payment slip ever month payment made. XX/XX/XXXX XXXX XXXX XX/XX/XXXX all has to be paid by the XXXX of each month but no pay slip, and when I call in for the balance all ways changed.
Product: Credit card or prepaid card

This issue is about Trygrain.com The bank account I had on file that determines my credit limit and that I make payments from had closed. So I attempted to contact support to help me change the account since it won't let you change it directly through the app for some reason but I keep running into problems with their customer support team. 

I emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX with no assistance provided. 

They gave me a payment link to make a payment, which I made on XX/XX/XXXX but I tried using the link again to make a payment but it says that the link is invalid. 

I need to have the bank account that's on file changed so that I can continue making my payments and using their services. This delay caused my XXXX and XXXX statements showing that I'm using 80 % -100 % of the credit offered which affectively dropped my credit score.

This is turning into a real nuisance which is affecting my credit which I've been trying to fix, that's one of the reasons I was using their service in the first place. I'm also racking up late fees, and interest. 

Another issue is their payment options, the payments that you can make are based upon your bank account balance. On XX/XX/XXXX, and XX/XX/XXXX I ran into an issue where I couldn't pay my statement balance to drop it under 30 % because it wasn't updating my account balance. It showed a lower balance in my checking account so I was limited to making a payment within that limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I am not under contract with, have never provided a wet signature agreeing to owing XXXX XXXX XXXX for any loan, and am not on video or audio confessing student loan debt with XXXX XXXX XXXX ; they continue to report defaulted private student loans to all 3 credit bureaus. Although I graduated from college in XXXX, since XXXX XXXX has been reporting me to all 3 credit bureaus regarding XXXX loans that I never took out with them. I have sent XXXX and all 3 credit bureaus letters disagreeing with their assertion. Nothing has changed. This nuisance has drastically impacted my ability to obtain credit and financial related opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed that there are unauthorized inquiries between the three credit bureaus. 

It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. 

As you can see, I have a very limited and responsible credit profile. 

I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by USPS XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. 


I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been 2 months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. 


Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Companies - Finance XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the charges and did not authorize use I would like for these derogatory remarks removed from my credit report. 

{$1100.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX  Original creditor {$520.00} Open balance XXXX XXXX XXXX Original creditor {$280.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor {$130.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.
Product: Credit reporting or other personal consumer reports

Accounts and inquires on my report that were not authorized by me.
Product: Checking or savings account

My card was stolen and someone was able to access my account and i reported fraud immediately and made police report about the fraudulent activity to current which is XXXX  XXXX XXXX the did a investigation they say didn't give me any type of detail or information they said no to theh cant reimbursed me for fraudulent activity they wont let me speak to aye supvisor about it i just want my funds back
Product: Credit card or prepaid card

In XXXX of 2018, I was promoted a 0 % interest for 2 years on an item at Best Buy, using the Citi Bank My Best Buy credit card. I was immediately approved and made on time payments for two years. XX/XX/XXXX, I opened my account to make a payment, and noticed XXXX dollars interest had been applied. The promotion on my TV ran out, and it was deferred interest ( which was never vocalized to me ). When I called to ask about how to rectify the situation, I was told that I could pay off the XXXX dollars still owed. When I asked how this happened, the employee told me that my on time payments were applied to other purchases, and not the promotional item. They chose to allocate my payments to other purchases. Despite explaining that this is not allowed, the employee refused to let me enter a hardship program, until I said that legally, I was interested in pursuing another avenue. Once I was transferred to the hardship program department, they told me that the employee was misinformed and that I could enter the program. My account is currently closed, but I am still paying the interest that was accrued even though it was falsely advertised to me as not having interest.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : EXTRA Account Number : 136087 and list of Inquiries.

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: Credit reporting or other personal consumer reports

Upon me viewing my credit report I discovered some derogatory information.
Product: Student loan

The loan servicer is Firstmark Services. I had paid a significant portion of the estimated payoff amount but the servicer only credited six of the seven loans I had which resulted in a larger final payoff amount costing me additional interest. As a result a larger amount was debited from my account and I now have an overage. Firstmark states it will send me a paper check for the overage. 

Please investigate whether Firstmark 's actions are a systemic problem or not.
Product: Money transfer, virtual currency, or money service

I tried to transfer {$400.00} from my Venmo account to my bank account on XXXXXXXX. I never received the transfer. My bank has no record of the transfer even after i provided a trace number to my bank. When I did this I didn't realize that my account wasn't verified since I use venmo to pay people. I guess when I pay people venmo uses my debit card and not my bank account. I don't understand how venmo can initiate a transfer to a unverified account. Venmo emailed me after I started a dispute that the transfer went through. I wasn't satisfied with how venmo resolved this matter since I never received the transfer. I emailed them again and told venmo that my bank has no record of the transfer. Venmo emailed me back saying the transfer went through. I have my bank statements proving I didn't receive the transfer. I will provide these statements if needed.
Product: Checking or savings account

This is regarding the Simple bank to BBVA bank transfer. 

I'm sure you're aware that BBVA transfer went horribly wrong and there's no way for me to access my funds. They have said they offer phone support, but there is none. 

I want to move my money to a more stable location, but they won't allow us through technical incompetence. If I ever get a chance to move my money, they will charge me to do so.
Product: Mortgage

I feel I was pressured into signing a refinanced mortgage that did not meet the needs and has turned out to be a bad business deal for me and my family. 

Applied for a refinance with US Bank. Process went smooth. Had contacts from online and from a local branch. Main consultant was all done through email. Long story short, I was tricked into a mortgage that had my interested rate raised by almost 2 full points ( 3.75 to 5.01 % ), US Bank claims I declined to setup an equity account yet I specifically asked the branch contact when signing if the payment included taxes and Insurance. She replied, Yes, it does. Come to find out no equity account was setup. Now US Bank wants to fund {$1400.00} out of pocket and raise my payments close to XXXX a month. I would have never signed if this was the case. 

I was never offered to setup an account, and all documentation I have says the estimated payment includes taxes and insurance. US Bank deceived me into a deal that benefited US Bank and not me as the consumer.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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.