23daVinci/CFPB_Complaints huggingface dataset:
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 and inquiries. 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 fraudXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX ; INQUIRIES XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent funds through the XXXX XXXX operated by WorldRemit Corp . While the name I entered was accurate, the phone number was incorrect. Recognizing the error almost immediately, I acted promptly to rectify the mistake. Since there was no option within the app to cancel the transaction, I called XXXX 's support team and initiated an online chat within seconds to request an urgent reversal of the funds. 

Despite my immediate action, I was informed that the reversal process was not possible. This was perplexing because the funds had been transferred to a wallet where the name did not match the phone number. For security purposes, it would make sense for both the name and phone number to align to ensure the safe delivery of funds, and to include an option for users to cancel the transaction immediately. I was advised by support that a supervisor would contact me within XXXX hours. As of today, I have not received a call from a supervisor. 

On XX/XX/year>, I followed up on my urgent request sent on XX/XX/year>. In my follow-up, I reiterated that I had contacted support within seconds of sending the funds due to the lack of a cancellation option within the app, and that I was told that a supervisor would contact me within XXXX hours. As of today, I have not heard from anyone nor received any acknowledgment of my initial email. 

Considering the urgency of this issue and the lack of response from XXXX, I feel compelled to escalate this issue to the CFPB for assistance. The companys inability to address my concern promptly and the absence of a robust security mechanism in their app has caused significant stress and inconvenience. 

Despite my clear and immediate communication efforts, XXXX has failed to provide any viable solution or update on the status of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA Violation- noty mine accounts are inaccurate PO report XXXX No knowledge
Product: Money transfer, virtual currency, or money service

I have been a Coinbase user for about XXXX years now, and in my third year of using the platform, my funds were locked up due to a Payment-Required glitch. On XX/XX/year>, I reached out to Coinbase support to ask why my funds were locked up. They discussed that at first, I needed to resolve a payment, and then when they looked into it, they said it was just a glitch in the platform and that I did not owe any money. I was very confused why my funds were locked up if I did not have any failed payments found. Coinbase told me that I had nothing to worry about and that they were working hard to resolve the problem. 

I waited some time and then reached out to Coinbase again on XX/XX/year> and still nothing was resolved, I received the same response that they are working to fix the issue on my account as soon as possible. However, nothing was going to be resolved because in XXXX my account was still locked up. On XX/XX/year> I reached out to Coinbase again to discuss the issues with my account and to see if the issue was resolved and the response I got was, " We are working to fix it as quickly as possible. We're sorry for any inconvenience this may have caused. '' I have been on the phone with Coinbase support to this day still trying to get my funds out and I still get the same response that they are working to fix this glitch in the system, and they are sorry for any inconvenience it has caused. I am very frustrated with this platform ; I have deposited about XXXX dollars in my account before it was locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX  ) ( Account number 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX EMPLOYER : NOT APPLICABLE Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), on XXXX it is ( XX/XX/XXXX ) and on Equifax, its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Vehicle loan or lease

I have been a victim of identity theft resulting in these following account SANTANDER CONSUMER USA XXXX being on my credit report. this incident has ruined my life. I have also informed the company of these account
Product: Credit reporting or other personal consumer reports

My credit score never change on your system.i appliee apple credit card amd saying my credit score is XXXXbut its totally lie.my credit score is right now XXXX  XXXX and XXXX is XXXXyou guys needs to change it as soon as possible.i cant appeove credit card because your mistake not updating my credit score on the system.pleaee update my information.Thank you.
Product: Vehicle loan or lease

I got an auto loan in XX/XX/XXXX and had the loan till XX/XX/XXXX. The whole time of having the loan I had to pay for GAP insurance but I had I policy for full coverage with replacement insurance. Wells Fargo Auto loan department had the policy and didn't care. The XXXX XXXX XXXX was a loan for {$12000.00} dollars and I put down {$22000.00} the car with a {$34000.00} dollar car and If I had not been able to put the XXXX down I wouldn't have been given the loan.
Product: Student loan

I filed a complaint with the CFPB last year in regards to my chase private student loans and my inability to repay at the current monthly payment. Chase was willing to negotiate to a certain extent and granted me a temporary deferment period. My request to Chase was to lower my monthly payments which was disregarded and as a last resort I signed the deferment paperwork to get some relief. The paperwork that was sent to me was requested to be returned by Chase, even the paperwork with new loan terms which they would not allow me to keep. I sent all signature pages in but they would not grant the deferment until I sent in all the paperwork including the new terms of the loan. I currently have no documentation showing the new loan terms after the papers were signed let alone what my monthly payment will be. I sent in a letter to CSL on XXXX/XXXX/15 requesting to lower my monthly payments being that the deferment period was coming to end relatively soon - I did not get a response from Chase. I made it as clear as I possibly could that I would not be able to afford these monthly payments for the next 20 years. I have no way of paying the original monthly payment and Chase has not provided any documentation showing my new monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company on my credit report that I do not know, and I can not get it removed. XXXX XXXX XXXX. I have never had a contract with them, and they are negatively reporting on my account
Product: Debt collection

Upon careful review of my latest credit report, I found multiple accounts that appear to be incorrect and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had the loans forgiven due to as of XX/XX/XXXX becoming XXXX XXXX. 

XXXX has made all the adjustments but I dont see it here with you XXXX. 

Can you please help with seeing that it has been applied to my report. 

I can be reached at+XXXX or XXXX XXXX XXXX XXXX XXXX , NC XXXX Thank you XXXX XXXX Balance Decrease DEPT OF ED/XXXX + Balance Decreased by {$95.00} DEPT OF ED/XXXX + Balance Decreased by {$1800.00} DEPT OF ED/XXXX  + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$1200.00} DEPT OF ED/XXXX + Balance Decreased by {$5100.00} DEPT OF ED/XXXX + Balance Decreased by {$1100.00} DEPT OF ED/XXXX + Balance Decreased by {$4000.00} DEPT OF ED/XXXX + Balance Decreased by {$4100.00} Updated Account Information DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account
Product: Credit reporting or other personal consumer reports

XXXX XXXX INQUIRY DATE WAS XXXX XXXX, RAN MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT. 

XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I believe there is an error in my credit report, as some of the information listed does not pertain to me. It appears that Experian and XXXX are not in compliance with the Fair Credit Reporting Act, as they have not removed these inaccurate items from my report. I am currently working to rectify this situation and ensure that my credit report accurately reflects my financial history.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card

Someone used a card that was stolen from the postal mail and XXXX dollars were charged. The bank does not want to be held accountable, file a dispute for fraud since I have no responsibility in this
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which sill appears on my credit report, even after your investigation. I would like this item immediately Re-investigated. The inaccuracies are highly injurious to my credit score Account name : XXXX Account number:XXXX In accordance with the fair credit reporting Act, Public law 91-506, Title VI, Section 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an update copy of my credit report after your reinvestigation
Product: Credit card or prepaid card

SINCE WSFS BANK IS THE BANK BEHIND XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX  DEPOSIT ACCOUNTS, this complaint is directed towards this bank for not supervising the regulatory requirements that goes with XXXXXXXX XXXX license especially when UNAUTHORIZED TRANSACTIONS HAVE BEEN PROMPTLY REPORTED. A police report has been made to XXXX XXXX of the XXXX POLICE DEPARTMENT ; Report XXXX To dateXXXX XXXXXXXX XXXX  intentionally REFUSES to post an available credit totaling {$2900.00} which is the total amount of XXXX direct deposits made into the account on XX/XX/2023 and XX/XX/2023, respectively. On XX/XX/2023, XXXX supposedly issued provisional credits but HAVE NOT MADE THESE CREDITS AVAILABLE FOR USE which has caused insurmountable financial losses since i have not been able to pay any bill and due to this, i have beeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs ; an adverse reaction to the benefits advertised by XXXX XXXX XXXX XXXX 's promotional advertisements claim of helping to " build credit ''.- on the contrary, they have destroyed my credit.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate ;, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XX/XX/XXXX LVNV Funding XX/XX/XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I closed my old account due to fraud and open a new per their instruction after a day or two they closed the new account and kept the compromised account open. I have available funds and they won't let me have because it's restricted and that's the account I closed. They claim it takes 10 business days to close my restricted account and I reported the fraud XXXX XXXX I can not get a straight answer from it changes every day. They claim I have to wait for them to cut me a cashier check and it can take 10 business days to get my money there we're 10 checks deposit to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurately on my credit report XXXX XXXX XXXX****
Product: Money transfer, virtual currency, or money service

User name XXXX on XX/XX/2021 try to withdraw {$9100.00} for eToro Use llc something happen in their account department which required additional information in order to complete my withdraw. An email was suppose to be sent out in 24hours with instructions .No email was sent out .I been while for 3days .I open several tickets to see the problem no respond yet. The amount is still pending!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and supported by documentation from an advocacy group assisting me due to XXXX XXXX-related debt XXXX, which falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ), I am disputing the reporting of late payments on my credit profile. I am requesting that you block the reporting of these late payments from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of XXXX XXXX and debt XXXX, and it is my right for these inaccurate and harmful entries to be blocked or suppressed. 

This request applies to all listed accounts associated with TransUnion that reflect late payment entries resulting from my circumstances. XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX AC # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX  XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.
Product: Credit reporting or other personal consumer reports

I affected by Identity Thief under these Hard Inquiries NOT AUTHORIZED 1.-XXXX XXXX XX/XX/XXXX 2.-XXXXXX/XX/XXXX 4.-XXXX XXXX XXXX XX/XX/XXXX 5.-XXXX XXXX XXXX XXXX XX/XX/XXXX 6.-XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit card

I transferred some rewards points from XXXX of my account to another of my own account and these points were confiscated without notifying me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I wrote to XXXX XXXX, XXXX, Experian about incorrect address and names on credit profile. They refused to remove it so XXXX asking for your help. 

1 ) My name is XXXX XXXX 2 ) I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
3 ) I work at XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 


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

I was alarmed to notice unauthorized inquiries on my credit report this morning, with no clear reason why. When I checked my report, everything seemed normal at first, but then I saw these discrepancies. I tried refreshing my browser, hoping it was just an error, but nothing changed. This issue has left me extremely disappointed, and I am requesting that the documents I've submitted be properly reviewed so that I dont have to deal with this again.