23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Company had enrolled me in payment plan. I had made or exceeded the minimum payment as shown on my monthly statement. Company reported a 30 day late mark despite this. Periodic calls to company resulted in being told account is fine/good standing/showing payments received. Upon identification of credit mark, escalated call to company and was advised was " speaking to wrong department as my account is in special program ''. Statements clearly show payments as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} Spoke to representative about amount showing past due on XX/XX/XXXX, XX/XX/XXXX statements prior to negative credit mark in XX/XX/XXXX. Was advised that this will continue to show since I am on a special payment program. 

Statements did not reflect past due amount in minimum payment due. Thus, statement incorrectly showed the true status of my account. Enclosed are statements for XX/XX/XXXX-XX/XX/XXXX,  which clearly depict the minimum payment, and the amount of payment made. 

Again, several calls made to XXXX XXXX during XX/XX/XXXX-XX/XX/XXXX about past due amount v. minimum payment due. Each time I was advised that this is due to my " payment program ''. 

Was wrongfully advised by customer service as well as statement documentation ( enclosed ). Payments were made according to the minimum payment due. 

Company refuses to acknowledge their misleading representation of my account status. This falls under Unfair and Deceptive as a UDAAP violation. The company did not act in a way as to their fiduciary responsibility to protect me as a consumer by incorrectly specifying the minimum payment due on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered that some accounts are not mine and I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors
Product: Checking or savings account

Around the year 2000 I had a debt account with Bank of America. I was not notified about an overdraft and I was charged around 35 dollars a week I believe. So I ended up paying the bank {$600.00}.
Product: Credit card or prepaid card

For the last month I have call to American Express 6 times, today was the last one. I received an offered from the American Express customer service representative, to add an additional car member at no cost. As I have my sister in XXXX its a good idea to give her a card so I eliminate the transfer from here. But since I ordered the card have been a mission to create an online account for her to give her access. Whenever I call they tell me that shes the one who has to call. So she call from XXXX to the international number and no answer at all. I call and I got another American Express number to call from XXXX and they told my sister that I am the only one that can make that call. I have to call again and its not posible to help me because she is not in the call. I add her to the call and she authorized me to call on her behalf, as when I put her on the call it cost me a lot of money because its and international call. Previous representative stated that he put on the system that I can speak on her behalf. Today she tried to get access to the online account and still not able to do it. I call one more time and they said that if she is not on the phone they cant help me even when there is a notation on her profile authorizing me to speak on her behalf. Waiting for the last representative to verify the authorization I have to hear that American Express have got the Jd Pawer reward. I am frustrated and extremely disappointed with their service. 

XXXX
Product: Credit reporting

We are in a DESPERATE situation and need help fast please! My wife and I are supposed to close on our new home on Tuesday XXXX/XXXX/17. On Thursday XXXX our mortgage company pulled my credit to submit for final 'clear to close ' to underwriting, and the score was XXXX points lower than it had been before, and no longer eligible for the loan approval. Unbeknownst to us, a cable bill debt that IS NOT VALID and was disputed and DELETED back in XXXX, came back onto my report and tanked my score. I immediately called the collection company, showed them proof of the deletion and they submitted a " manual deletion '' and gave us a deletion number and a letter saying it is deleted. I then called Equifax and gave them the deletion number. They said there is nothing they can do for up to 75 days. We are unable to close on our home until this is GONE from my report and my score returns to normal. Meanwhile we have sold our home and must be out by the end of the week! My family of XXXX with XXXX young children will be homeless unless this is resolved and we can close on our loan. PLEASE HELP US get this error on my report removed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, CLARITY, XXXX ETC. ARE FALSELY REPORTING NEGATIVE INFO FROM EACH OTHER.
Product: Debt collection

This debt was included in husbands bankruptcy and despite repeated efforts of informing the for 7 years they are still trying to collect and marking payments as delinquent
Product: Credit reporting

I printed the form on the CFPB 's website to request a free annual credit report from all XXXX main credit agencies, completed it and mailed it to the address indicated a few weeks ago, via certified, return receipt USPS delivery. I got a letter from Equifax that falsely claims it did not receive information just submitted, such as my address. It further demands my social security number and birth date. I have received copies from all XXXX major credit reporting agencies at the address provided since 2001, for well over 15 years. The credit bureaus are so out of compliance with existing laws and they have caused me so much damage with lost credit and higher costs of credit, that they should be required to send me my credit reports to the same address they have sent them to for years. They have acted hostilely to me for years and can not be trusted. Furthermore, they are not entitled to record, keep or provide my social security number and birthdate to third parties, yet they do so relentlessly against my written directions to cease and desist from doing so, exposing me to unwanted risks to my privacy, identity theft, cyber crime from all over the world, and enormous, unwarranted, credit difficulties.
Product: Credit reporting or other personal consumer reports

CITIZENS ONE opened an account in my name, using my identity. This was not opened or authorized by me. 

Attempting to resolve via credit disputes, the company continually claims that all is accurate. This is not the case. 

This account is heavily damaging my credit, impending my ability to acquire a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, 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 at also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXX XXXX XXXX, I initiated an international transfer for {$1800.00} to a WISE account from a XXXX account, based in the XXXX XXXX 

TRANSFER REFERENCE : XXXX I mistakenly typed in the wrong account details. 

The money was however processed and not returned back to me even though the account details did not match the name and should have been FLAGGED BY WISE. 

WISE has since refused to assist in any way, shape or form in the recovery of these funds, even so much as contacting it's partner bank in the XXXX XXXX XXXX XXXX XXXX  which was apparently the final destination for the funds. 

They claim no responsibility since the transfer wasn't initiated from a WISE account even though it was processed by it.
Product: Credit reporting or other personal consumer reports

Dear Experian, i have these accounts reporting on my credit along with inquires and addresses that needs to be removed. I didn't give any one authorization to open accounts in my name or to apply for anything. I am asking that these gets removed from my report because it's affecting my credit profile.
Product: Money transfer, virtual currency, or money service

I had an account with Kraken that was closed in 2019. I need the account history in order to complete my taxes for 2019. I have been trying for months to get this account history, and they keep refusing or ignoring me. I can not complete my taxes for 2019 without this information, and I am suffering greatly in all my financial matters that require a 2019 tax return as a result. 

I just want my account history for me, personally, and for my XXXX so I can complete my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed XXXX {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX in XXXX, NC, yesterday, XX/XX/2020 to shop for a new truck. They ran my credit and I said if it didnt look like they could do it, we didnt want to try, but today there are 6 inquiries on my report. I had no idea that they would all show up, especially since we only went to one dealership and didnt ask to run it multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
and can help your score. 

XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried several times and put on hold minimum of 35 minutes.. Customer repj. would transfer to 2-3 departments and then phone would be cut off. We would have to go thru the same thing over with more waiting and nothing being done with people who we can hardly speak English. Frustrating when you are being on hold more than 20 minutes. I PAID OFF MY balance of {$10000.00} on XX/XX/20 per my conversations with the rep on that day and on my statement. Told them to closed my account. When to see my credit score on XX/XX/20, it went down from XXXX to XXXX because I was being charged of {$110.00} interest that I was not aware that Citi bank charged me after I paid off my balance. Called theme and always being putting on hold after I told them to reverse the fees and reverse the late payments on my credit report. HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory remark - bankruptcy - on my Experian credit report that does n't belong to me. I sent letters and called Experian numerous time but the remark still there. 
Please help. 

US BKPT CT NJ XXXX
Product: Mortgage

My home is being foreclosed on with fraudulent assignments that have been robo signed i am also a victim of DUAL TRACKING.. While in the process of working with the mortgage company on a loan modification my loan was sent to XXXX XXXX for foreclosure. This is clearly against Federal Law. They are trying to take my home because there is over XXXX in equity. 
I sent a QWR in XX/XX/2023 and they have not responding or acknowledged my correspondence. i asked for the gap accounting in a debt validation,
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Crypto.com says use an authenticator to get my money, then rejects the authenticator codes. 
Crypto.com makes it impossible to get my money returned. They never answer my inquiries. 
I believe crypto.com purposely makes it impossible to get your money. This is a way they can keep your money
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my bank account was used to traffic money into somebody else 's account that I didn't know. Someone put fake checks into my checking account by taking photos and depositing them into my account via mobile phone. The money was taken out of my checking account and transferred into another person 's Cashapp account. While this was happening Cashapp contacted me and let me know that there was fraudulent activity going on in my account. They froze the money being transferred from my bank account to their Cashapp account. Cashapp not only notified me but also froze the account and let me know that it was being used to traffic money. I contacted my bank my bank where they froze the account stopped the checks and waited for the process of the funds being restored. I got refunds on all the {$900.00} checks except XXXX. 7 days after they froze the pending transaction, {$900.00} was taken out of my bank account and placed into a Cashapp account that was not mine. I've contacted Cashapp numerous times over and over asking for my money to be refunded they won't refund the money they said I need to contact law-enforcement and let them know to contact them. I have contacted law-enforcement, filed this with the FTC and XXXX have had no response from Cash App whatsoever. This has caused my accounts to close, checks to bounce, payments late, and much more. Ive lost so much money and they wont even respond now. They are responsible for this money that they knew was fraud and now they're wanting me to pay for it. I don't see how this is legal I don't see how this is even legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. 

However, you did not provide proper verification the last time I requested this verification. 

You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score.

Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate personal information in my file that resulted from an incorrect credit reporting but I still have ITEMS left that needed to be removed. The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that the five ( 5 ) unauthorized inquiries listed were still reporting in my file. The unauthorized inquiries are listed below along with the inaccurate personal information : EXPERIAN : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired Lexington law to repair my credit and I I paid for their services before I had any results. I was told that hard inquiries would be removed as long as I paid. Inquirys were not removed and I paid before they rendered service.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX
Product: Student loan

XXXX  XXXX promised us when we would be placed on a job, that was not the case. When I finished getting my certificate I did not have any opportunities presented from the college. There was no job placement plans either and there was a career counselor in place but they did nothing to help. This was a waste of time and a lot of money. They also told us that our credits were transferable but that was not true either. I started XXXX XXXX XXXX  in 2017 and none of the credits were transferable. So now I has to retake courses in order to complete this degree. I would have been finished and on to a better job but now I am still in school trying to complete my degree because the lack of those credits. XXXX  XXXX mislead us and its unfortunate that my time and money was wasted, now I have almost 100k in loans because of this. This is ruining my life because its dooming my credit, so homeownership is out the question for me my children.
Product: Credit reporting or other personal consumer reports

The following companies were contacted by me or an attempt of contact to address the posted inquiries on my credit report with the agency of Equifax stated they should be removed due to me not authorizing them and being fraud. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter about inaccurate account on my credit report. It has been over 30 days and I still haven't received a response.
Product: Money transfer, virtual currency, or money service

On the XXXX I received a notice from coinbase saying my bank had reversed a transaction and that I needed to pay them. All ability to send or receive crypto was halted. I confirmed with my bank that no such transaction occurred, I also provided the bank statement to Coinbase. There is no such transaction in my coinbase account, the only mention is the banner across the top of my accounts page and emails stating such from coinbase support. I attempted multiple times to prove that no such transaction occurred with bank statement, image of most recent transactions and a request of proof from Coinbase. 
These facts do not support their claim, 1. no such transaction in my statement 2.no such transaction in my coinbase account XXXX. I mentioned that indeed on their end when I tried to make a purchase of a XXXX dollars it failed due to their side saying my bank XXXX canceled the transaction due to insufficient funds. I then attempted a lesser amount after confirming on the XXXX that I had sufficient funds. 
4. I was charged {$29.00} dollars by Coinbase for returns which were reversed when the bank sided with me on the fact there wasn't a reversal due to insufficient funds 5. I was able that same day to successfully conduct a transaction in the amount of {$780.00} on my ledger wallet account 6. After showing all this today I received an email stating they were having their account department look into it. 

With all this provided and an email from Coinbase making me aware, an investigation was finally being conducted, they went ahead and liquidated my assets later today. 
My complaint is they have provided no proof of the transaction, their very account does not show this and they violated policy for handling debt, by liquidating my assets while an investigation is being conducted.