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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$63000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$63000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$59000.00}.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I made an account with Coinbase Pro on the XXXX of XXXX and you invested about XXXX XXXX  into my account. However, I got an email on the XXXX of XXXX saying my account in under review. Since then, I am unable to trade on my account and also unable to get a refund of my amount back into my bank account. I have contacted the customer support multiple times on their website and on XXXX and I have received no solution or a reply. Its been 2 months and no action has been taken. This company seems like a scam.
Product: Checking or savings account

A checking account was opened in my name with TRUIST. I did not open this account. There are several transactions under the name XXXX XXXX XXXX XXXX I called TRUIST XXXX and they refused to close the account and said they would monitor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in school with the university of XXXX online classes program in 2016. I was able to take a few classes for about half of a semester before I had to withdraw from the school. Due to a divorce and having to work two jobs to take care of my kids, I just didn't have the time. I did receive partial payments from the school totaling about XXXX dollars. After checking my Experian and XXXX  credit report I've noticed that the school has the account listed as a charged off account in the amount of {$7500.00} dollars. I would like to know how can this be, when I only received a partial payment. This is the only negative account listed on my credit reports which is severely impacting my credit score. 
I've disputed this account per certified mail with the both reporting agencies and received back responses stating account remains. I plan on purchasing a new home at the start of the new year and it would help out tremendously if this negative inaccurate account can be immediately removed off of my credit reports.
Product: Checking or savings account

I have contacted Wells Fargo regarding the law suit/settlement, explaining I have not received communication. I was told they are still looking into this and will contact me when necessary. I should have been contacted by now however.
Product: Mortgage

Received duplicate billing for same month. Suspect, in that I pay a month in advance. New home built and mortgage sold to Wells Fargo. Payed first mortgage payment on XX/XX/2018 with check # XXXX for payment due XX/XX/2018. Payed second mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Payed third mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Payed fourth mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Then received a duplicate bill for mortgage due on XX/XX/2018 on XX/XX/2018. I  received another bill for mortgage due on XX/XX/2018 on XX/XX/2018 and opened both. I immediately called Wells Fargo Home Mortgage at XXXX ( on XX/XX/2018 at XXXX XXXX  ) and ended up talking to three individuals the last named XXXX XXXX from " The Presidents Office '' whom became so defensive that he interrupted me 4 times and became crass I hung up. I requested, multiple times, he explain to me why I received duplicate bills when I pay a month in advance and that this action on the part of Wells Fargo is unacceptable. Mr. XXXX would not address the issue at any point nor provided an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened on XX/XX/ with XXXX XXXX XXXX using my identification when I was hospitalized. This is fraudulent and was done without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 and XX/XX/22, I contacted EXPERIAN via phone to initiate a dispute of inaccurate and incorrect information reporting on my consumer report. I noticed EXPERIAN is reporting " charge offs. '' Charge off is defined as gross or ordinary income and should not be reported on the consumer report, or file. After the first dispute, I asked for the results of their investigation since the accounts came back as verified or updated. I have not received a copy of the investigation. I disputed them a second time stating the accounts are reporting inaccurate information and EXPERIAN is willfully neglecting to delete an account they can not verify. I instructed them to delete former names and addresses and they have failed to do so, the inaccurate information remains on my consumer report. I have also instructed EXPERIAN to delete the XXXX account as they have failed to provide me with sufficient documentary material to validate this alleged debt, they have failed to delete this account as well. EXPERIAN is civilly liable for willful and negligent noncompliance with the federal law, pursuant to 15 USC 1681 n & o.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$390.00} ; XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXXXXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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
Product: Debt or credit management

TOMOBOOST keeps trying to charge my card after I have repeatedly asked to cancel the membership since they have dropped from my credit report after missing a payment. I no longer want the service and they are refusing to cancel or respond to my numerous emails to customer service.
Product: Mortgage

When we first got our loan from 5/3 bank, things were good. Until we got our tax bill from XXXX XXXX the following year. Apparently out taxes were not being paid by our mortgage company, even though we had an escrow account. After talking to 5/3 at length about the issue, they then paid the taxes, late fees and all. This is important to note since after talking to XXXX XXXX, they said had they not paid it right away, they could have reduced the late fees. This essentially cost us thousands of dollars. This shocked me because instead of our mortgage company going to XXXX XXXX and trying to reduce these fees, they were more interested in causing us more hardship. The really messed up part is that they rolled those late fees, which were all because of them into our escrow shortfall. Now maybe that is my own fault for not arguing with them to get that fixed at the time, but I did n't think that they were looking to essentially take advantage of us. I actually trusted them. Now here we are 1 year later and we get another increased bill because 5/3 did n't question the tax bill. While I understand that if they get a bill from the city/county they have to pay it, but it was pretty obvious to me at one glance that when my summer taxes doubled, that there was a mistake by the county/city. So instead of a mortgage company looking out for it 's clients, all they did was take advantage of the situation. They raised our bill and to compensate for the shortage. I have since called the county/city and they have stated that it was an obvious error and had they been alerted to it earlier, they could have corrected it before the payment was submitted. They sent it to the board and have revised the taxes. I have sent this information to 5/3 and they said that they will not correct the issue until they talk to the county, which is funny that if they had done that in the first place none of this would have happened in the first place. So now they want me to pay the increased bill even though we ca n't afford it and they are threatening us to make the payment. I have explained that as soon as we get this check from the county/city, we will make our payment. It has become clear to me that this company is all about getting more money from their clients then they are about actually take care of their clients. They have taken advantage of us and done nothing but done so unethically and negligently.
Product: Debt collection

Id been with this phone company for months & after about the 3rd month I realized that I had not been receiving the perks I was told Id receive if I switch to their company, Instead each month my bill was increased more and more because they had been switching my phone plan to the highest plan they had without my knowledge or consent. I contacted the phone asking about them switching my phone plan because I couldnt afford it, So they told me theyd have it fixed, they fixed it and gave me a promo on my next bill. Another 2 months come and the same thing happens again with them switching my phone plan, So at that point I was fed up, I had lost my job, got kicked out of where k was staying, and had to use the last money I had left to get a flight back to my hometown where my family was and helped me. I contacted the phone company and let them know that I wanted to get the phone service turned off and return the phones because I could no longer afford what they were doing to me, they tried to get me to stay if they bribed me with promo again, but this time that wasnt going to work for me so I said no, So they when ahead and approved my request, but told me that I might as well keep the phones because theyre going to make me pay for them still, and I responded ; even if I return them as they were when I bought them, and they told me yes, So I asked how much that would be and I was told that it would only be the installment plan I had on the phone which was roughly around {$25.00} a month, but instead they had continued to bill me as if I were still connected service wise with their phone company, Meaning I was receiving hundreds and later on thousands of dollars worth of bills from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy. 


15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX not my name XXXX XXXX XXXX XXXX- never my address *XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XXXX XXXX XXXX, 84 Stat. 1128. ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XXXX XXXX XXXX, 84 Stat. 1128. )
Product: Checking or savings account

On XX/XX/year>, my wife and I each requested tax documents from Bask Bank via secure message due to XXXX online access to account documents. Bask Bank informed us the documents would be mailed, but we never received them. 

On XX/XX/year>, I called to request electronic delivery of these documents. The first representative disconnected the call after approximately XXXX minutes on hold. When prompted to rate the employee, I gave a low rating and was disconnected. 

I called again and spoke with a different representative who had no record of my previous call. This representative promised to send copies of statements for both my wife and me shortly after our call, but insisted we submit a second secure message request, claiming our XXXX request was " too old '' despite the delay being caused by the bank. 

Following this call, we only received copies for my account, not my wife 's. This necessitated another lengthy phone call. As of now, we still do not have copies of the tax document for my wife 's account. 

This situation demonstrates : XXXX. Failure to provide timely access to important tax documents XXXX. Poor customer service and communication XXXX. Inconsistent handling of document requests XXXX. Unnecessary bureaucratic hurdles for customers We request immediate provision of all requested tax documents and an explanation for these delays and difficulties.
Product: Student loan

Under the CARES Act, I requested a refund of my student loan payments made during the XXXX pandemic, totaling ~ {$5000.00}, on XXXX. I was initially told that the process could take XXXX weeks during my initial phone call when I submitted the refund request. I called once again for a status update on XXXX and was told by the initial customer service representative that my call will be transferred to a different department, only to be hung up on entirely. I called back minutes later, was again put on hold, and then had my call answered. At this time, I was told that my request could now take up to XXXX weeks to process. At the XXXX mark, which was last Monday XXXX, I called once again for an update. I was now told that my request could take up to XXXX weeks. 

In summation, I get the run-around and bad service each time I call Aidvantage for an update. I'm not sure if my request has even been processed, or when I XXXX receive my refund at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Prepaid card

I was using cash app to pay my rent and on XXXX occasions my was taking I requested a refund and I couldnt speak to anyone and as a result they closed my account owing me XXXX dollars and it was never resolved
Product: Checking or savings account

I closed an account with TCF in XXXX of this year and recently had a check from XXXX XXXX be deposited in the account in XXXX. If the account is closed and I have no business with TCF how can a check that was deposited into a non existing account be possessed by an institution I have cut ties with. I did still have TCF as a Direct Deposit option for the XXXX XXXX. I contacted the XXXX XXXX  and they notified me that if my account is dissolved then the bank should notify the XXXX   XXXX the account no longer exists and send me a check. TCF claimed that because I had a direct deposit for the check will associated with the XXXX XXXX they took the check. After I liquidate an account the bank should no longer hold the right to posses my money in any capacity, and they also wanted to charge me for an account maintenance fee. Any help would be greatly appreciated.