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

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXt with a balance of {$23000.00}, XXXX XXXX XXXX with balances of {$240.00} and {$320.00}, and lastly XXXX XXXX XXXX with a balance of {$890.00} 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX RE : Update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report as soon as possible please. 

Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the follow inaccurate addresses : XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX. 


Please delete the following invalid phone numbers XXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I am filling this consumer complaint and consumer check for compliance these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. I have enclosed copies of my state issued identification and social security number to validate my identity. 


Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in a personal update letter to Experian. According to Fair Credit Reporting Act 15 USC 1681b -Permissible purpose of consumer reports that states, IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I gave them written instruction to update my personal information and they put a fraud alert on my report after receiving my letter. I DID NOT GIVE THEM WRITTEN AUTHORIZATION to put a fraud alert on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Carmax to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account for Child support was placed in collections in the year XX/XX/XXXX, I have filed multiple disputes and sent letters to Experian and the accounts continued to reage, Now it's showing on the reports as closed but negative with late payments, Therefore this account should have been removed no later than XX/XX/XXXX but is still being reported.
Product: Money transfer, virtual currency, or money service

This has to deal with the company Coinbase. I have over {$600.00} in an account which was hacked. When someone was trying to change my password in XX/XX/2021 i reached out to the Coinbase team and noted the issue. They did nothing and over weeks the hacker still was trying to change the password. I was receiving text messages saying my password was trying to be changed and again alerted the Coinbase Team with no response. Weeks later the hacker finally got through and changed the phone number on my account and i was locked out of my account.

The Coinbase team FINALLY responded and " locked '' the account over the past month i have been emailing and calling to try to get back into the account to see where the money is but nothing. I have made 3 NEW accounts ( requested by them ) uploading photos, documents, and videos of me proving this is my account. BUT STILL NOT ALLOWED ACCESS. I has now been 2 weeks since i last heard from them and i follow up Everyday with no response. this needs to be fixed and they need to be accountable it is truly awful service.
Product: Credit reporting or other personal consumer reports

Need to remove incorrect unpaid debt. I received a letter from XXXX stating my debt amount is not owed the amount is currently on my credit report that I ask Naviet to removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage lender is not able to pull credit report from Equifax. When pulling the report - in the credit bureau errors it states " Equifax remark : Information form you inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery '' - " inquiry information as fraudulent by consumer- report not available '' I have called 7 times and I keep getting the same answer every time I call " everything is fine on our end. We don't see any fraud alert on your account or any freeze ''. Everything is accurate in my credit report. I have access to my credit report online and everything look accurate so not why there's an issue with the lender pulling the report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I tried to send money to another country but the female agent kept disputing with me that she can't send my money transfer to the country I always send to and I left after disputing with her so long and later came back to the male agent that had sent for me always and I explained to him what happened to me with the female agent determined not to help me to send money to another country and he said he doesn't understand why she couldn't send for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my 2 credit reports with Equifax XXXX XXXX, I noticed that XXXX XXXX is incorrectly reporting on my account. Per the FCRA & FDCPA all of the information must report accurately & fairly. They told me that they cant do a goodwill adjustment but I need to get proof of payment history so when I get ready to go to an attorney so Ill have the information to present to the small claims court.
Product: Credit reporting

I went to XXXX XXXX for a re-fi, they attempted to get my score from TransUnion but they told XXXX I was deceased. I called Transunion to remove that status. They told me to get a form from the XXXX office proving I 'm alive and verification XXXX. The XXXX office said if I send that form, it will release all my info. to them including my medical history, so I got a verification letter XXXX proving I 'm still receiving benefits and am very much alive. Then I got a call XXXX who told me my credit info was on a freeze. I did n't do that. I requested my annual credit report from Transunion and got it in the mail, so they must believe I 'm alive. I just need for me and XXXX to have access to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information reported on my credit file and Inquiries that I did not authorize. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Product: Mortgage

Wells Fargo purchased my FHA/HUD mortgage loan XX/XX/XXXX. It was a FEDERALLY FRAUDULENT MORTGAGE LOAN due to all the falsified information within the closing documents. They sold my loan in XXXX of XXXX to XXXX XXXX XXXX XXXX. 
I have contacted Wells Fargo via several phine calls and emails about this issue and they are literally ignoring my emails and stated that this complaint is the same as them sending me a letter about the other federal fraud they committed against me from XX/XX/XXXX XXXX XXXX, XXXX of stealing money from my escrow and signing me up for disaster mortgage insurance without my knowing which also includes forgery since I had no knowledge of this happening until they mailed me a letter wanting me to settle for peanuts over this FEDERAL FRAUD ( which I refuse to settle for peanuts ) So, Wells Fargo is saying that the purchasing of a FEDERALLY FRAUDULENT MORTGAGE LOAN in XX/XX/XXXX is the exact same issue as their theft of my escrow account & forgery against me & my federal loan in XXXX. These are 2 separate accounts of federal fraud against me and my FHA/HUD loan at 2 different times and years all together. I have been trying since XXXX of XXXX to settle both of their fraudulent actions against me with no resolution because all they do is lie to me, talk down to me, hang up the phone on me after I have waited for long periods of time on hold and say somebody will call me and they never did. So, I refuse to talk to them via phone calls anymore due to the massive discrimination, harassment, bullying, lies, games, u professionalism they have displayed towards me. They talk to me like I am the criminal when they are the criminals that have committed MAJOR FEDERAL MORTGAGE LOAN FRAUD against me. So, I have told them they can either correspond via email or certified mail due to their lack of professionalism and maturity. 
By law mortgage company 's have 30 days to resolve complaints it's been going on 3 months now and the sent me a letter in my mailbox XX/XX/XXXX stating it will be til XX/XX/XXXX, when they originally said via letter in mailbox XXXX/XXXX/XXXX it would be resolved by XX/XX/XXXX. So as u can see its just of XXXX XXXX  XXXX. on their part to drag this out and all the while they have been completely discriminative, hateful, & treated me poorly every time I have spoken to employees in the mediation department. I have a list of several different employees I have spoken with due to all the game playing of phone tag that they seem to think is okay to do. 
I have attached all the closing documents that have the falsified information on them as well as my TN Driver License that I turned in when purchasing the home, which states my first maiden & married name because I was still married as well as my divorce decree all legal documents that Wells Fargo has had copies of via email that I sent them but still they are pretending to ignore the issue of purchasing a FEDERALLY FRAUDULENT MORTGAGE LOAN and having it from XXXX XXXX til XX/XX/XXXX when XXXX XXXX XXXX XXXX  purchased it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not login to equifax online system or reset my password to add/remove a freeze. Forums on line indicate this password reset process is broken online which hinders my flexibility in freezing/unfreezing my credit. 

Website day after day week after week this website will not let me reset my password and access my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit scores between XXXX XXXX and Experian and they is a difference of 100 pts in my credit score, I review my report and submitted various changes in my Experian report and the score did not increase, I mhave been trying to reach them and with no avail, I hope that this matter can be solved
Product: Credit reporting or other personal consumer reports

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XX/XX/XXXX you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Product: Debt collection

Suntrust/Truist called my closest relatives phone number regarding a debt that I didnt know I had. A XXXX called 3 times even before XXXX on XX/XX/XXXX and XX/XX/XXXX. I dont even know how they contacted my relative unless its public records. I dont know what this is pertaining to.
Product: Checking or savings account

In XX/XX/XXXX, my XXXX mother, XXXX XXXX, received a phone call that she believed to be from the Chase bank fraud department alerting her that they had noticed fraudulent activity on her checking account. My mother gave the caller my phone number to include me in the call. My mother told me it was Chase on the line, and it sounded authentic, so I believed her. To make a long story short, the call was a scam and when it was over, we naively authorized transfers out of the account. The transactions were as follows : XXXX XXXX XXXX XXXX XXXX XXXX My mother received a letter from Chase on XX/XX/XXXX refusing to reimburse her for these funds because, in their words, the items being disputed were authorized or you received benefits from the items.

These items were authorized with the belief that it was in the service of a fraud investigation. My issue with Chase is that they let all these transactions go through without putting a hold on them while they were in process. This is a Trust account where there is NEVER transfer activity. This should have immediately looked suspicious to Chase and should have been halted immediately. In contrast, when someone attempted a transfer from my checking account at XXXX XXXX XXXX XXXX, they immediately put a hold on it and none of my money was stolen. 

Another issue with Chase is that they make it difficult for customers to differentiate between legitimate and fraudulent calls. For example, I received a call from a number with an XXXX area code. A woman named XXXX said she was from the Chase fraud department. I immediately became suspicious and ended the call. I called back to verify, and I got a voice mail with a message that simply said, no one is available to take your call. How is a customer supposed to figure out what is legitimate and what isnt, especially when you are dealing with XXXX citizens?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted Transunion to make aware to them that I was a victim in there inquiry issue and Transunion Customer Service would not cooperate with removing the inquires from my Credit Report. this is what brings me to your website. could a representative please look into this situition for me as Its quite upsetting to have to deal with. thank you for your time Have a great weekend
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX .
Product: Debt collection

A collection Account Which I disputed since XX/XX/2020 and it does not belong to me as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently visited XXXX and requested an online copy of my three free credit reports. I received my free credit reports from XXXX and XXXX but not Experian. I attached a screenshot of their denial to give me my free credit report for a SECOND TIME. I attempted to call Experian to get my free credit report and credit FILE over the phone for the third time, which they said they would mail in 15 business days but have failed to do so. As a consumer, I am now demanding a copy of my credit reports and credit FILE from Experian, XXXX and XXXX.
Product: Mortgage

I was in process of refinancing my mortgage with Loan Depot which started XX/XX/2020. 

Within a month, I did not hear back from Loan Depot on the status of my loan. I got a document which I am attaching illustrating that my rate was locked and my loan application was in underwriting and close to completion. 

I did hear anything back for one month and I was informed that my loan officer was on leave and my application was not transferred properly. Hence my rate expired which caused my rate to 2.5 % to disappear. The rates have now increased. 

Given that I provided all the paperwork in a timely matter and an existing customer for another home, I would like my terms of 2.5 % at 30 year to be honored as per my signed agreement. ( attaching for reference )
Product: Prepaid card

My problem is with the US Bank ReliaCard unemployment benefits which was frozen in 2020. They requested information from me regarding the impact that I sustained which I provided. Now they're asking for more information that I'm not able to obtain regarding the impact that that affected me due to the freezing of my account. My pickup truck was repossessed and sold which caused me to lose the {$17000.00} that I have paid on the truck. They are stating that they're only liable to reimburse me any fees that I incurred as a result of not being able to access my funds. The impact I sustained was losing my pickup truck and not being able to get it back due to not having the funds readily available
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX USA ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The vehicle was damaged due to hurricane Milton. The insurance company stated that it was going to be a total loss. I had not received any written communication from the finance company about my loan what was paid to the loan my repayment options no information what so ever but they reported a late payment to my credit report and stated it was charged off. This is absolutely unprofessional and was mishandled by this institution. I want the derogatory remark removed and the item updated on my credit report to show it was totaled due to a storm. I want written correspondence that I should have gotten. Shame on XXXX XXXX XXXX XXXX. I just started the home purchasing process and this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX XXXX / XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want them to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.