23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$680.00} XXXX  XXXX Balance {$390.00} XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$9700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$260.00}
Product: Credit card or prepaid card

Offer was 0 % apr on balance transfers. 
After being approved Capital One said the offer did jot apply. 
We have the supporting paperwork/offer as proof. 
Now our credit score will be impacted. We closed the account asap. 
Date of application approval was XX/XX/2020. 
False advertising..
Product: Mortgage

In late XXXX Mr Cooper bought our mortgage. They had some data breaches afterwards and because of that both my wife and I had to put our credit on a freeze. In early XXXX of XXXX we received a letter in the mail stating that they would be switching us over to their in house provided insurance at a higher rate and less coverage. Our XXXX XXXX was good through XX/XX/XXXX. On XX/XX/XXXX I called our XXXX agent and they stated that they had not received a check from Mr Cooper. After talking to Mr Cooper they agreed to send a check to the insurance company for {$2800.00} and listed that they had sent a check to XXXX. They're website reflected that they had " sent a check ''. On XX/XX/XXXX I received a letter from Mr Cooper stating that I'd be charged by them for {$220.00} for the coverage they provided between XXXX and XX/XX/XXXX ( even though I was covered by my existing insurance ). On the phone they stated that I would not be charged that but at this point I'm expecting they'll still charge me. By XX/XX/XXXX XXXX had not received a check and would be canceling our insurance on XX/XX/XXXX. I called Mr Cooper again and they agreed to overnight another check, they put me on hold and spoke to my insurance agent on another line again. When they got back to me they said they would send the check but it would take another 5-7 business days. I told them not to because I need to get it paid by XX/XX/XXXX. They said I could pay it and they would send me the check so I paid {$2800.00} on XX/XX/XXXX out of pocket. After clarifying with them they said that it would not be Mr Cooper that would send me a check and that it would actually be XXXX sending me a check. After reconnecting with my insurance agent they said that Mr Cooper said they were going to overnight a check and that Mr Cooper said nothing about a 5-7 business days timeline. Both my insurance agent and I are now worried that they will claim that money out of escrow and XXXX won't receive it ( and therefor it won't be refunded to me ) but I'll still get charged it via escrow payments.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing an ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

The following are the accounts I would like removed from credit report : XXXXXXXX XXXX XXXX XXXX XXXX off of {$930.00} ) -XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX * Please note that XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX the same debt and are being reported multiple times on my credit report.
Product: Checking or savings account

For 2 weeks I have contacted Chase regarding fraud charges on my XXXX XXXX card, for XXXX weeks I have initiated contact with the vendors to get credit for the fraud charges, for 2 weeks I have given Chase the persons name, email and location, yet Chase continues to allow charges to my debit card. Why should I have to close my card and wait 5 days for a new card when they can contact this person to stop. Here is the latest charges XXXX XXXX XXXX XXXX XXXX. debit {$48.00}
Product: Debt collection

I found out there was a medical collection ( account XXXX for {$260.00} from XX/XX/2012 ) from PMAB , LLC on my XXXX  credit report that I do not recognize. I tried calling PMAB multiple times and left voice mail messages, but never got a response. I opened a dispute with XXXX  said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from PMAB. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX
Product: Money transfer, virtual currency, or money service

I am locked out of my coinbase account. When I try to log in, it asks me to enter my authenticator number, but I do not have that. I have sent pictures of my ID three times, and each time they re-set my password, but I still do not have access because they continue to ask for authenticator, which I never set up. 

I emailed pictures of my ID on XX/XX/XXXXXXXX XXXXXX/XX/XXXX and one other time.
Product: Checking or savings account

Hello, I stepped into the branch to speak to a representative regarding transactions that will post to my account. Currently, I share a checking account with my husband. There were two items in which were coming out our account ACH. I explained to the representative that I contacted the company to stop the ach. And remove the automatic debits. I was informed my husband would have to do it. I explained that my husband is in the hospital and unable to contact them. I was told by the chase rep it was nothing I can do. Thus, I ended occurring 3 overdraft fees because of this. 

I know have a power of attorney document that was presented to the company and the account is no longer on automatic withdrawals. The chase representative should have offered me a solution. We receive XXXX checks that come in the mail and sometimes they are late and this is what happened. I went back to the branch and asked if they could waive the overdraft fee and they said to call customer service. I called customer service and they said no
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my mortgage company Ditech reported to the credit bureaus that i was 90 days late, I opened a dispute in all three agencies because I have never been late. Ditech offered me a forbearance plan due to my home was impacted by Irma Hurricane in XX/XX/2017, the forbearance was for 6 months, I kept making payment to escrow and interest during that time. Ditech sent update to the bureaus but when i checked still showing that I " was recently late '' or '' missing payment '' or i '' have a negative impact '' in my report, those remark still affecting my FICO even though they updated the Ditech info under the account. My FICO dropped 70 points and I spent hours trying to have this resolved but they put me on hold for hours and I cant spend more time trying.I just want the information to be 100 % accurate and have my FICO score back up. 
I was denied an important loan last month and i am about to loose a purchase deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called Transunion and XXXX. I spoke with rude customer service agents after I was on hold for hours. The customer service agents denied me the right to dispute items on my credit report even though the items are incorrect. Transunion and XXXX refused to let me dispute false information on my credit report. They act like they are working with the companies against my best interests. Transunion's/XXXX XXXX debt verification process is flawed and outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX XXXX  Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX XXXX Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX XXXX Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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

XXXX XXXX XXXX XX/XX/1980 This CFPB has been filed to request pursuant to FCRA XXXX XXXX ( 15 U.S.C section 1681c-2 ) that you TransUnion, XXXX XXXX and XXXX XXXX reporting agencies, block information appearing on my consumer credit report that this is a result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent inaccuracies and false information consists of mobile accounts and insurance information and collections and false records on my behalf. These accounts have resulted in several fraudulent inquiries and fraudulent collections, I do not recognize the aforementioned accounts or collections and results of the identity theft and they have not been initiated by me. I have attached a copy of the FTC identity theft Complain ref # XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am a victim of identity theft and have reached out to your company as well as the original creditor several times. I have done much research on consumers ' rights as well as contacted an attorney regarding this matter. In accordance with the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A creditor shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act, by rights have been blatantly violated. 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. I have no knowledge of these companies and they should not be reporting as I never gave permission for the reporting per Section 1681a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding that these fraudulent and unauthorized accounts are removed from my credit report. I have no knowledge of such accounts and also have not given written consent to report them per Section 1681a of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit repair account with Credit Saint XX/XX/XXXX. I was not charged until XX/XX/XXXX. Throughout my tenure with this company I was actively reviewing the progress that was being made on my account. I saw that multiple removals were being made so I decided to stay with this agency as it seemed they were making great progress. It wasn't until I decided to comb through my credit report in XXXX of XXXX ( after 8 months with Credit Saint ) that I realized that majority of the " removals '' they were reporting to my account weren't actually being removed from my credit reports. I called, and spoke to the representatives and they told me they would conduct an audit of my account so I could get a more accurate reporting and they would call back with my results in 2-3 days. They never called back. I went into my client portal and they updated my account with the accurate reporting from the audit, and to my surprise majority of the " removals '' they reported had not actually been removed. I called Credit Saint to cancel my service immediately on XX/XX/XXXX, and they told me that I didn't qualify for any refunds ( even though they mislead me for months on the productivity of their services ) I fought back and they ended up granting me their 3 month guarantee refund as well as my last payment that they deducted from my bank account resulting in 4 months of my money returned. I also learned that they are suppose to conduct a monthly audit on their end to ensure they are reporting accurate information to their customers and that they " dropped the ball on my account, and will do an internal investigation to make sure this doesn't happen to future customers ''. Fast forward to 15 days after the " refund '' and still no money in my account. I called my bank to see what the hold up was and they confirmed that they never received a refund from Credit Saint. I call Credit Saint with this information, and they told me its the banks fault and that they issued the refund on the XXXX of XXXX. I have receipts stating that they refunded me on the XXXX as well. After fighting back I learn that they didn't actually issue any refund. I gave them my information yet again, but as of now I have not received anything from Credit Saint in my account. -I was mislead with the productivity of my account. - I was told verbatim from the higher ups that they dropped the ball are reported false information for the entire time I was their client -Im not sure if any work was done prior to them charging me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting : CAPITAL ONE XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have continuously contacted the debt collector who refuses my dispute of the validation of this debt. The representative could not provide me with validation as requested, other than a copy of a bill. I have continuously advised the collection agency that this debt does not belong to me, and request that the following debt be removed from all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with Experian and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian and XXXX for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XXXX XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XXXX XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted.. Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have an account with PayPal that involves promotional purchases in which interest is not payable if you pay the charged balance within the promotional period, in this case 6 months. In reviewing my account upon making a payment today ( XXXX/XXXX/XXXX ) I discovered that a charge in the amount of {$360.00} in XXXX XXXX did not have any portion of my payments since the purchase applied to reduce the outstanding balance, thus leaving the balance as of today the same as it was in XXXX. In speaking with a PayPal representative ( who was very helpful and cordial ), I was informed that {$230.00} of my previous monthly payments should have been allocated to this purchase to reduce the outstanding balance to {$120.00}. She explained that it appears that a system processing error occurred which did not automatically allocate my payments to reduce the balance. In order to avoid paying the accrued interest for the purchase ( {$35.00} ) I had to immediately make an additional payment of {$120.00} since the promotion payment period expired tomorrow ( XXXX/XXXX/XXXX ). I had already made a payment of {$150.00} on my account.