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

On XX/XX/, I sent a certified letter to Equifax via USPS ( Tracking # XXXX ). The letter was received on XXXX XXXX XXXX  per USPS. The letter is attached. In the letter, I inquired about unauthorized hard inquiries to my report. The letter included all of my identifying information, as well as the specific hard inquiries in question. The letter cited section 609 of the Fair Credit Reporting Act, requesting all documentation and information in my file of the time of the request and the source of the information around the inquiries I asked about. The inquiries do not have permissible purpose, nor did I authorize the inquiries. Additionally, the letter requested that, if Equifax was unable to provide the documentation regarding the inquiries, Equifax should remove the inquiries from my report. On XX/XX/, Equifax sent the standard letter regarding an opened dispute. For each company I requested information regarding the inquiries. With each hard inquiry in question, they stated the following for " Status '' : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' The letter did not contain any accompanying information regarding the specific inquiries as requested. Additionally, I did not open a formal dispute with Equifax, I simply requested the information and documentation regarding the hard inquiries, including, but not limited to, documentation showing that I authorized these hard inquiries. And if they could not produce the documentation, they should remove the hard inquiries from my report.
Product: Checking or savings account

Wells Fargo is discontinuing the Checking account type that I have had with them for many years. " Complete Advantage Checking '' is being replaced by " XXXX XXXX XXXX  '' automatically and I am not being given an option to retain the account services that I have had with the original product without paying additional fees. 

In order to discover what is going on I have to click through links and scroll through fine print text to find out what my options were. In the fine print it gives erroneous instructions as to where and how to select anything other than the default account changes that I have not consented to. It took me XXXX minutes to find the " Switch accounts '' function because it was hidden in a " more options '' expanding menu that was in not mentioned in the instructions or even in the correct section of their website. 

Wells Fargo leadership is currently enjoying a year over year profit increase of 31.22 % and STILL they are adding fees and cutting their services to their clients. They are doing a fine job of predating their clients to swell their own already bloated compensation plans.
Product: Student loan

On the date of XX/XX/year> I paid with Mohela and was charged the amount of XXXX for my XXXX student loans which was the full amount of both. Even now on XX/XX/year> there is an amount of XXXX on my account with accrued interest even though I paid my loans and did my part. I am having to deal with issues such as interest because of things that are not my fault. This is completely unacceptable.
Product: Money transfer, virtual currency, or money service

PNC no longer supports XXXX, which is a App that would allow you to invest by rounding up your linked account purchases and using that loose change to invest. PNC does not allow anything that helps or makes life convenient for the customers. They will only help if it helps themselves.
Product: Mortgage

Ditech has applied mortgage payments incorrectly and a mortgage payment is missing. I use auto pay to pay this mortgage and when my interest rate increased in XX/XX/2016 ( XXXX ) they started calling from their collections department stating that I was not current on my mortgage, which was incorrect. I allowed them back in XX/XX/2016 to take the adjusted increased mortgage and was assured that they would not take my auto amount also. They deducted both so I told them to apply the original amount to principle. This started a series of journal adjustments to my account and now an entire payment is missing. In XX/XX/2016 I made my usual auto payment of {$1800.00}. In XX/XX/2016 the new amount of {$2100.00} was deducted from my bank account along with the {$1800.00}. In XX/XX/2016 & XX/XX/2016 they deducted the auto amount {$2100.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016 they deducted the auto amount of {$2100.00}. I have tried to work with Ditech but contacted XXXX when I realized that they were not crediting my account properly and my mortgage balance was higher after payments were credited. XXXX tried to get the information corrected but was unsuccessful. XXXX agrees that there is still an entire payment missing from my account history and the balance is incorrect but could not get Ditech to respond to their inquiries. Yesterday my representative with XXXX, XXXX, suggested that I contact CFPB to get resolution as she was unable to correct the information. Ditech has finally stopped contacting me from the collections department, which they never should have as I am current and have been as long as they have had my loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX Has violated my rights. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), States, my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Per 15 USC 1681 Section 602 A. States that I have the right to privacy Per 15 USC 1681 Section 604 A. Section 2, States, a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I sent in a police report, ftc report, drivers license and letter to the bureau requesting to block and delete accounts as a result of identity theft. The accounts were removed on XX/XX/XXXX and reinserted without my consent. I did not receive any WRITTEN notice within five days advising the accounts would be replaced back on my consumer file. I requested copies of all documents provided by the account holder that Experian used to validate the account and an account history of how the account was verified. I never received any proof in the mail. I called Experian XXXX and spoke with laquita, XX/XX/XXXX and spoke with XXXX, XX/XX/XXXX and spoke with XXXX and then XXXX in the fraud department. I was told on every call a supervisor would call me back within 72 hours. I never received a call back from anyone. 

See attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ( collection ) account? has been reported to XXXX  as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is 1 ) I was not in XXXX XXXX Az XXXX that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by MEDICARE as I was on Medicare as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves XXXX  stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and XXXX  as well as XXXX XXXX are Lying to everyone about my credit.
Product: Credit card or prepaid card

Macys ( Citi Bank ) used fraudently and unauthorized. Nothing connected to card is linked to me. Fraud activity. Macys has been zero assistance. Had to request a statement due to never seeing one. Unable to login to the account. Card was used by sibling whom had my information, unable to resolve issue within Macys consumer department.
Product: Mortgage

We have had XXXX issues with the company. 

# XXXX, during the time we held the loan, we asked for PMI removal twice and told we were denied but would receive a letter in the mail giving us the option to pay for an appraisal to get it removed. We never received either letter and decided to sell our house since the mortgage ( including PMI ) was too high to cover all expenses if we rented it out. 

# XXXX, we sold our house in XXXX of XXXX. The loan was paid in full. There was a remaining escrow balance of {$880.00} that we were due a refund on. The first check was supposedly mailed to us on XX/XX/XXXX. We never received it so called and asked them to reissue. They did so on XX/XX/XXXX. Did not receive it again. Called and they reissued on XX/XX/XXXX. Did not receive it and we moved so updated our address with them. They supposedly reissued it on XX/XX/XXXX. We DID receive a mailed notification that our address was updated but still NO CHECK! 

While calling, we asked if we could pay for a XXXX to our house. They denied our request. We asked them to check to see if the check was mailed to the correct address which they said they did. 

We have never not received mail at either address that we were expecting so I find this extremely odd!
Product: Checking or savings account

I opened a XXXX XXXX Banking account. However I could not set up distributions into my own personal account - the web technology employed by the bank did not allow me to do that. I called customer service and XXXX explained that online distributions or ACH transfers are not permitted within the first 90 days of the account opening for " security and compliance '' reasons. She directed me to the disclosures page on https : //www.usbank.com/caas/digital-services-agreement.html but that page does not state the 90 day " freeze-out '' limit in the ACH section. When I pointed that out, XXXX informed me that it is her duty as a service technician to let me know it at the time of the call because the bank has the right to act within the limits of those disclosures. 

My concern is that I receive revenue monthly, I am a sole member of the XXXX, and need to make profit distributions to my own accounts. The information that, effectively, I can not use the account for 90 days in an efficient manner should be delivered to me in plain language at the time of account opening. Had I know that account were to be, effectively, unusable for the first 90 days, I would chose a different bank.
Product: Credit reporting or other personal consumer reports

I did not recognize any of the following companies to open and inquiry my credit report please see file attachment of list of companies was not authorize by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BUREAU IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGE DEBT IS CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA...
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned about three derogatory payments with Comenity - NY and CO credit card. After speaking with several people and one today, XX/XX/XXXX, I learned Comenity has a bad address for me and this has impacted my accounts with Victoria Secret and New York and Company. When I spoke with Comenity, they advised me the missed payments are my fault because I never provided them with a good address until XX/XX/XXXX. I did not speak with New York and Company on this date so I am not sure HOW they got an updated address. As of XX/XX/XXXX, even after speaking to several of their representatives, I have logged on to my Victoria Secret account and realized they still have a bad address for my account. As of XX/XX/XXXX, the address listed in the account was XXXX XXXX XXXX XXXX, XXXX   XXXX. The correct address ( which I changed in my VS account ) is XXXX XXXX XXXX XXXX in XXXX, XXXX   XXXX. After reviewing all accounts with Comenity, ( NY & CO, Victoria Secret ), I am realizing my bills and all other correspondance was being sent to the wrong address resulting in non-payment. It appears there are some other issues as well because there were no statements generated from XXXX to XX/XX/XXXX to advise me I had a balance in my NY and CO   account, nor did Comenity make any effort to call me to let me know the status of these accounts were past due. I have confirmed my phone number in both websites is correct and it is. I have excellent credit history. I have also checked for emails from Comenity regarding my victoria Secret account and I did not receive any emails either. Comenity will not provide me any proof of phone calls or attempts to reach out to me and advise me of these past due accounts. 
This has caused hardships on my credit score which was in the high 700  's and now at XXXX. I am also being disqualified for a job with a local police department because of this. I need to get this situation fixed as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX attempt to purchase XXXX XXXX Became sick for over a year with XXXX. REQUESTED COURTESY REMOVAL OF ALLLATE PAYMENT ON VALID DEBT. 

HELP PLEASE ERGE CREDITOR TO COUSTEY REMOVE ALL LATE PAYMENT AS I HAVE HAD THESE ACOUNT OPEN AND PAID AS AGREED FORWELL OVER 6 YEARS AND ONLY LATE A FEW TIME DO IT COVID MEMORY LOSS ILLNESS JUST NEED A LITTLE HELP!!! PLEASE CREDIT SCORE DOWN XXXX POINT .... 

REMOVE FOLLOWING ALL LATE PAYMENTS XXXX. XXXX XXXX reporting to XXXX XXXX Equifax Account # : XXXX Account Type : Revolving XXXX. XXXX Reporting to XXXX, XXXX XXXX Equifax Account # : XXXX XXXX. XXXX XXXX XXXX Reporting to XXXX XXXX XXXX & Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX Reporting to XXXX, XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX. XXXX Reporting to XXXX XXXX XXXX Equifax Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX XXXX
Product: Debt collection

I did not consent, authorize nor benefit from any of the following inquiries. Block and remove them. 

XXXX. XXXX XXXX XXXX XXXXXX/XX/2021 XXXX. XXXX XXXX XXXX  - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Final vehicle payment on account XXXX ( the only account I had ) was made for {$370.00} on XX/XX/23. VCFS reported a new account, XXXX, on my credit report, showing the same amount due. At no time did I authorize VCFS to open a new account. 

This has been reported to XXXX XXXX ( XXXX ) times in an attempt have the fraudulent account removed. 

I called VCFS and they could not substantiate the actions taken nor the amount " due ''. 

I received another statement for account XXXX dated XX/XX/23 and VCFS still can not provide substantiation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

paid off XXXX credit but still showing max. balance on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, I am submitting this complaint myself and there is no third party involved. Pursuant to 15 USC 1681b ( 4 ) ( C ) ( 3 ) ; Information regarding inquiries " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. '' As a Federally protected consumer under title 15, I demand Equifax remove of all inquires on my consumer file immediately
Product: Debt collection

My daughter received XXXX services at XXXX facility, I had paid the {$25.00} copayment. 
Insurance statements and credit card statements confirm I paid the {$25.00} copayment. 
I sent a certified mail to debt colletor with proof of payment. I kept record that letter was received by debt colletor. 
After sending the mail, debt collector keeps calling statign they have not received any certified mail, that I still how {$25.00} + interests. 
I had to sent a fax with all information again.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account Number:XXXX  has violated my rights under 15 USC 1681 and USC 1666B . 

15 USC1681 Section 602 States I have a right to privacy. 

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written consent. 

15 U.S Code 1681a - Definitions ; rules of construction - Exclusions. - Except as provided in paragraph to the term " consumer report containing information solely as a transactions or experiences between the consumer and the person making the report. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to do a thorough investigation on collection account placed on my credit report that was put on by XXXX XXXX XXXX XXXX XXXX. Company is a scam. They never contacted original company XXXX XXXX XXXX XXXX that XXXX XXXX XXXX stated they received charged off from. Whats on my credit is not a company. Transunion states it accurate. Please tell me where company is located. There is a XXXX XXXX XXXX XXXX Which they have no knowledge of this company. So exactly what investigations did transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from ALLY FINANCIAL located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Debt collection

Midland is trying to collect on a debt that has passed the statue of limitations. The XXXX bill they are trying to collect is over 7-8 years ago. Statue of limitations on reporting has exceeded and they continue to roll the account to continue reporting and subsequently damaging my credit.
Product: Debt collection

On XX/XX/XXXX the law firm of Kirschbaum, Nanney, Keenjan & Griffin, P.A. scheduled and attended a hearing in XXXX County Distrist Court with XXXX  XXXX  XXXX  XXXX  of North Carolina, Incorporated XXXX XXXX  XXXX  North Carolina that the consumer was not able to attend due to work certification and that the court was notified of and requested a continuance for approximately 30 days in advance. The firm falsely stated that XXXX XXXX XXXX of North Carolina, Incorporated ( XXXX ) was still the same company that they filed a Complaint on an expired judgment entered on XX/XX/XXXX for the XXXX XXXX XXXX XXXX of North Carolina, Incorporated D/B/A Progress Energy. Under the filing XXXX the court denied the consumers continuance and agreed that the company was still wholly-owned by XXXX and was operating as a foreign entity in the state of North Carolina. However this determination request written by XXXX 's counsel XXXX XXXX on XX/XX/XXXX to the XXXX XXXX XXXX ( XXXX  ) to avoid disqualification under rule 506 ( d ) of Regulation D. In it XXXX states it is in fact wholly-owned by XXXX XXXX and has been since XX/XX/XXXX. Further XXXX States it is controlled and ran entirely by XXXX XXXX XXXX 's and subject to total control by XXXX XXXX on page 6 and 7 and on pages 5 and on page XXXX XXXX states it is not a reporting company under the SEC XXXX and XXXX XXXX XXXX states " XXXX XXXX 's acquisition resulted in a change of ownership, control and management of XXXX and XXXX. XXXX and XXXX are now wholly-owned subsidiaries of XXXX XXXX. XXXX is now led by XXXX XXXX employees. '' Based on this evidence Fraud upon the court has been committed and it appears the SEC has been mislead in the companies present status if it is operating as a foreign entity. As XXXX XXXX XXXX XXXX North Carolina, XXXX XXXX XXXX XXXX North Carolina was not formed until XX/XX/XXXX per its fiticious name certificate it is impossible that the Plaintiff would have been party to the judgment entered on XX/XX/XXXX and is attempting to unjustly enrich itself via fraud upon the court. Further as I am a XXXX resident and the action took place across state line other violations may be present.
Product: Money transfer, virtual currency, or money service

On approximately XXXX the XXXX My account on Coinbase was attacked. Coinbase 's security was flawed where there was no measures to secure and make sure that I was the one withdrawing funds from my account. I had measures set up for security but still bitcoin was stolen from my account. I have tried to make contact from this company and financial institution from XX/XX/XXXX to present day.. As of XX/XX/XXXX they have updated their service terms. I can not get in contact with anyone. and their phone system has no live agents or any support whatsoever. during this attack on my account I tried to call them and prevent the transfer from going through and stop before the transaction was veririfed through blockchain. They failed at every turn to protect my property and blamed me, days after their ticket system sent a generic reply. It was stolen directly from coinbase pro coinbase 's exchange where you trade crypto. not from my coinbase account. there were no security measures to ensure safety and when i called them the only message received was if you think your account has been compromised hit this number. I did and in turn my account locked me out of it but allowed someone to steal funds. in an email transaction they said it was my fault and didn't care to fix the problem and said it was minutes before i locked my account. this is total bs. it's been over 60 days they have not tried to resolve the issue and closed ticket and blocked email communication from their servers so when i send an email it is blocked. Also the first coinbase wallet i opened no longer has access and i can not retrieve a password this service financial institution is not protected in any way and I demand i receive my funds back immediately. They also use deception and go offline during major market movements and deceive the public so the market price is not the same in their trading. as i have provided images to prove that statement. I have had a lot of grief due to coinbase and I want my funds immediately as at the time of theft it has increased in value as well, and I have needs to be met immediately.