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

On the day of XX/XX/XXXX, I mailed off a letter to Navient/Department of education. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. Navient converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED TRANS UNION AND REQUESTED PROOF OF THE ACCOUNT AND THEY HAVE FAILED TO RESPOND OR INVESTIGATE ; THE ACCOUNT IS OVER XXXX XXXX XXXX AND PER NJSA 2A:14-1 THE CREDITOR MUST REMOVE THE ACCOUNT AFTER A 6 YEAR STATUTE OF LIMITATION ; TRANSUNION HAS ALSO FAILED TO PROVIDE PROOF OF THE DELINQUENCY DESPITE SEVERAL ATTEMPTS BY ME. XXXX MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Checking or savings account

Bank unilaterally placed a hold on XXXX of our joint checking account in North Carolina. 
The accounts contain SS deposits as well as several retirement account fundings. 
Bank refuses to talk to us and suggest hiring an attorney. We are not able to hire attorney because all our money is frozen. 
The total amount withheld is {$25000.00}. 
Bank is First Citizens Bank, in Cashiers North Carolina XXXX Bank XXXX attorney is : XXXX XXXX XXXX. He is the person that ordered retirement funds frozen. 

Account representative with First Citizens is : XXXX @ FirstCitizens .Com
Product: Debt collection

The Law Office of James R. Vaughan , P.C . in XXXX, AZ contacted me via mail on XX/XX/XXXX and sent me garnishment letter about the XXXX XXXX credit card account that was opened under my name and social security number and charged off to a third-party collection company. The Law Office of James R. Vaughan , P.C . has garnished my wages since XX/XX/XXXX. The XXXX XXXX account was too old so the identity theft could not be fixed by my lawyer. I would like you to help me fix my identity and prevent identity thief from happening again.
Product: Debt collection

I have been the victim of identity theft and as a result the following account # XXXX from XXXX XXXX XXXX was placed on my credit report. I have contacted this company and provided them with a valid copy of my identification as well as a police report and identity theft affidavit. They have failed to contact me, nor have they removed this fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked Experian and XXXX to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from XXXX. Also I never received responses with updated credit reports
Product: Credit reporting or other personal consumer reports

I had been a customer for 20 years. XXXX XXXX  is in decline dramatically. They messed my furniture order during packaging. It took 2 months to have it corrected. I have records of talking to XXXX people both XXXX XXXX and XXXX XXXX XXXX within a month and recorded 9 hours of phone calls. I was refused to provide XXXX contact info. Many customer service agents said to me on record " our managers do not want to talk to any customers and force us to their jobs ''. They sometimes put me on hold for XXXX hour but could not find any manager. At times I provide my info for call back instead. Never once got a call in 2 months. 

i had made the whole payment before I was billed, before the delivery. Then XXXX XXXX XXXX XXXXXXXX XXXX XXXX lost my whole payments twice in a month. They instructed me stop payment twice. Then a day after, they found the checks. They got my 3rd online check from my bank, also XXXX XXXX. Still, they forced me to pay late fees and interest fees. When I disputed, I had all the bank info that I had paid on time fully, XXXX, rude supervisor, said he didn't care. He was belligerent, After I complained about him and closed my account due to despicable Customer Service with a credit hanging, they reported me to Credit Bureaus the next day. Yet, I still have a {$100.00} over payment to be refunded. Within a month!!! Others only report after 60 days, I am informed. That caused my credit score to be lowered XXXX points. It went from being excellent for years to good for the first time. And they took back all the points I had earned. 

I also wanted to end this drama after 3 months, I ended up getting a replacement furniture and kept both. I ended up paying double at the end. Consider all these frauds and the terrible customer service before opening an account from XXXX XXXX and buying anything. The next step is to file a fraud complaint.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit bureau agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT I NOTICE THERE IS UNAUTHORIZED CREDIT INQUIRIES MADE BY THE COMPANY 'S LISTED BELOW I CONTACT EXPERIAN REGARDING THE UNAUTHORIZED CREDIT INQUIRES ON XX/XX/XXXX XXXX I SOPKE WITH EXPERIAN REPRESENTATIVE XXXX XXXX XXXX 
I TOLD XXXX XXXX XXXX TO MY KNOWLEDGE I HAVE NOT SIGNED ANY DOCUMENTS AUTHORIZING THE COMPANY 'S IN QUESTION TO VIEW MY CREDIT REPORT AND THAT THE LISTED INQUIRIES WAS WITHOUT MY AUTHORIZATION. XXXX XXXX PLACE ME ON HOLD WHILE HE INVESTIGATES ON HIS END CHECKING AND VERIFYING HIS SYSTEM. XXXX THEN CAME BACK TO THE PHONE AND TOLD ME THAT I HAVE NO ACCOUNTS OPEN WITH ANY OF THE COMPANY 'S BELOW AND WHAT I NEEDED TO DO IS SEND A LETTER IN WRITING TO HAVE INQUIRES REMOVE. 
ON XXXX XXXX XXXX MAIL OFF CERTIFIED NOTARIZE LETTERS INDIVIDUALLY TO EXPERIAN AND LISTED COMPANY 'S ASKING TO INITATE AN INVESTIGATION AND REMOVE INQUIRIES FOR THE LISTED COMPANY 'S ON XX/XX/XXXX I RECEIVE A LETTER FROM EXPERIAN WITH RESULTS OF INQURIES DELETED FROM MY REPORT ON XX/XX/XXXX I CHECK MY EXPERIAN REPORT NO CHANGES HAS BEEN MADE IT STILL SHOWS ALL XXXX UNAUTHORIZES COMPANY ; XXXX. 
XXXX MADE BY : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my XXXX credit file haven't been updated accordingly. The following accounts are XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX and XXXX have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX credit file was too large and split and XXXX hasn't been able to compile my file properly to retain accurate information.
Product: Debt collection

Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account, I do n't even have an account number as I was notified of such alleged debt by credit monitoring companies sending me alerts of new information added. The company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social however She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the account they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
Product: Credit card or prepaid card

I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. 
Did not receive it. 
May I have a copy of my online application filled out online to get this credit card?
Product: Debt collection

Dispute been going on since XXXX Certified mail sent XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo for violating the Fair Credit Billing Act. Specifically, I believe that the credit card issuer re-applied a dispute on my credit card account after 60 days, which is in violation of the 60-day limit set forth by the XXXX Credit Billing Act. 

On XX/XX/2023 & XX/XX/2023, I made a purchase on my credit card with the above-mentioned credit card issuer. However, I discovered an error on my billing statement and immediately contacted the issuer to dispute the charge. After an investigation, the issuer removed the disputed charge from my account. 

However, I was surprised to find that the same charge was re-applied to my account after 60 days had passed. I believe that this is a violation of the Fair Credit Billing Act, as the dispute was initiated within the 60-day time frame.

I have attempted to resolve this issue with the credit card issuer, but have not been able to reach a satisfactory resolution. As a result, I am seeking your assistance in resolving this matter.

I would appreciate your prompt attention to this matter and request that you take appropriate action to ensure that the credit card issuer complies with the Fair Credit Billing Act. If you require any additional information, please do not hesitate to contact me.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX
Product: Debt collection

The collection agency, MBA Law ( Mitchell D Bluhm and Associates ) have a notorious history of trying to collect false collections. I first received a notice for a medical collection on my XXXX, that dropped my score 55 points for a supposed collection for {$300.00}. I contacted the agency and ask for proof of the debt I owe and an itemized receipt with medical coding, they were not able to do so. They said they would have to contact the XXXX for this information, and should have it 30 days later. Never received anything. I contacted the hospitals billing department and they have no record of selling anything to this collection agency. They actually gave me a copy of all my visits and amounts owed from all my visits. I then decided to dispute on XXXX and the account was eventually disputed and deleted. Today, this same account showed up on my XXXX for the SAME date and amount. 

According to the XXXX, this company has a notorious history of trying to collect non-existent past due balances from people. This agency is ruining peoples credit history, fraudulently. They never contact you to make you aware of this collection and just shows up on your credit history. Something needs to be done about this fraud agency, and they need to be taken to court as they have violated FDCPA many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the complaint concerning the block of information related to identity theft on my consumer report. They did remove a bulk of items, but they left some items that have been negatively affecting me. XXXX  should not be on my report. XXXX XXXX XXXX XXXX should not be on my report. I have already previously communicated with Equifax to remove these items according to law, and they did do most of the items, but for some reason they neglected these 2 items on my report after removing the plethora of other items. Reference complaint XXXX for more details.
Product: Money transfer, virtual currency, or money service

I've been trying to recover coinbase crypto currency for months sending multiple emails and constantly trying to reach someone in there help department. All email from their support have been unless and no one has contacted me about recovering my account or with any expectations on where my money went. I am missing hundreds of not thousands of dollars and no one will return an email. I provided transaction ID # to coinbase from my banks information and yet it's been over six months and I still have not received any emails telling me how to recover my account.
Product: Debt collection

Beginning on XX/XX/2002 including today XX/XX/2002 I have had 22 phone calls from PORTFOLIORECOV. Most calls show from CA, but also one each from TX, ID, IN, NJ, WI, KY and IL They have never left a message nor have I ever received anything written as to why they are calling. My son and I who live here have no unpaid overdue debt. I suspect fraud. All calls have been to my home phone that is a land line and some appear to be ROBO. 
I have listed all the calls including date, phone number city and state called from on a note pad, but I don't know that that will help in this complaint. I can send them, if needed.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an inquiry on my credit report that I never authorized. On XX/XX/2022 I received an inquiry notice. I didn't give my authorization for any transaction from the company " XXXX XXXX '' in 2022. The company somehow without my permission, offer, or authorization submitted my social security number and an inquiry showed up on my report. This is a violation of 18 USC 1028A. I called XXXX XXXX and the manager admitted to using my information illegally to obtain information. I provided my name, phone number and account number that was I was asking about. I provided three pieces of information so that I wouldn't have to supply my social security number, yet it was used against my wishes. An inquiry is a receipt of a transaction, one which I didn't authorize.
Product: Debt collection

XXXX XXXX  called someone and that person pretended to be my wife, which I am not married, and they gave them all of the information about my debt which is unauthorized, so that is a breach of private information.
Product: Credit card or prepaid card

Apple Card has a fundamental problem with their customer support. Their support lines are horrible. Their right hand doesn't know what their left hand is doing. When an issue is raised with their chat option or their phone option they have no clue whether this is to be handled by Apple Card support or Goldman Sachs support and the customer gets bounced between the two groups. This results in a very long time to resolve an issue that can be addressed in a few minutes. The time to resolution is horrendous. Basically they are staffing their support with incapable, inefficient and incompetent people. This has nothing to do with a specific transaction. This happens with EACH and EVERY issue. This is unacceptable and Apple Card should be penalized for this.
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. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Around XX/XX/2020, I was sent money from my uncle to help pay for bills and other living expenses that I had at the time and PayPal limited my account and asked for specific info and documents to verify my identity at which point in time those things were provided without delay. A few days later I was informed that I could no longer use their services and that I had to wait up until 180 before I could receive my funds. Fast forward 180+ days and no one at PayPal can tell me anything as to why I still cant get my money after 6 months of being inconvenienced already.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2021. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
XXXX, Equifax and XXXX failed to investigate this account properly and your neglect has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX has violated my rights. 

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

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

UWM has posted my payment to someone elses account. I have provided proof of them cashing the check and they not applied it to my account.