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

Transunion keeps doing an investigation in 3 days or so without any information given. I filed a dispute against XXXX XXXX on XX/XX/XXXX, its already completed. I haven't worked for XXXX XXXX XXXX XXXX since XX/XX/XXXXXXXX  due to injury. I was then paid through Worker compensation all of XXXX which was a third party with no deduction taken out. I also have a letter stating I no longer XXXX at XXXX XXXX permanently though as of XX/XX/XXXX. XXXX XXXX placed a collection on my name as of XX/XX/XXXX, the account isn't mine and I told this to Transunion. How can a bill be mine if they haven't received a payment to keep insurance since XXXX? I paid it through my paycheck so they haven't seen a monthly payment for a long time. I could only receive this insurance through my employer and they do run your insurance when you go to an appointment to make sure you're still active.
Product: Credit reporting or other personal consumer reports

I am disputing unauthorized hard inquiries on my credit report. Under the FCRA ( 15 U.S.C. 1681b ), a creditor must have my written consent to access my report. The following inquiries were made without my authorization and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If these inquiries can not be verified within 30 days, they must be deleted per FCRA Section 611 ( 15 U.S.C. 1681i ). Please investigate and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation of multiple consumer laws which I have attached. Information being reported is false and does not belong to me and I do not give written instructions for this information to be furnished.
Product: Credit reporting or other personal consumer reports

On my XXXX  credit report theirs is one negative item that's a collection account called credit collection this negative item supposed to be removed from my XXXX  credit report filed a federal trade commission identity theft report on file also their 3 hard credit inquiries on my report those inquiries supposed to be removed from my XXXX  credit report and regarding equifax Credit report there's one negative item that's 60 days late its a fraud account
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding AMEX and their ongoing reporting of inaccurate information on my credit report. Despite multiple disputes concerning these accounts ( Account Numbers : XXXX and XXXX ), AMEX has failed to correct or remove the errors. This inaccurate reporting is significantly damaging my credit score and providing misleading information to potential lenders. 
I have contacted both AMEX and the credit bureaus numerous times to address this issue, yet no resolution has been provided. The continued presence of these inaccuracies is causing me financial harm and impacting my ability to access financial opportunities.
Product: Credit reporting

About 2 years ago the bureaus dropped my credit score from about XXXX to XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at American Express. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,
Product: Credit reporting or other personal consumer reports

I was granted debt relief from the Biden_Harris administration effective XX/XX/22 and the 3  major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.
Product: Debt collection

My Credit score dropped due to an account in collection by some ONLINE INFORMATION SERVICE.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted Best Egg in XX/XX/year> to secure a loan of {$32000.00} to payoff credit card debt. 
I was told by the loan officer that after an initial 6 payment period I would be able to refinance the loan to a single-term loan that would have a lower interest rate and payment structure. The original rate was 31.89 % and the refinanced rate would be around 6-7 %. 

During the original call for the loan, I was promised that the loan could be refinanced to a significantly lower interest rate and it was a simple process. The loan company just wanted 6 months of high interest payment to see that payments would continue. 

I contacted Best Egg to get my loan refinanced but was told that the process is now online-only and was denied refinancing.
Product: Bank account or service

Navy Federal Credit Union ran my credit last week without any permission from me! I have open disputes with them and they ran my credit without any authorization from me! They DO NOT have my permission to ever run my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 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. 

Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX ccount Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX ccount Name : XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX that is closed. But is no reporting as open on my credit report. This account has been closed for over a year. I 've requested to have the account removed and is now reporting as open all of a sudden. And it says I 've paid 100 % percent of the balance as a charge off. This information is inaccurate and hurting my credit score.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Debt collection

I have contacted this company about this debt. I have had my identity stolen, had to have my cards and ids replaced. I explained this to them and started to threaten me will a lawsuit, jail time, I asked them to remove the inquiry from my credit report. The amount stated i owe is XXXX I have not taken any such loan out.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MYCREDIT REPORTAND NOTICED SOME INACCURATE ACCOUNTS REPORTING
Product: Money transfer, virtual currency, or money service

Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, on XX/XX/year> I received the horrible shock one afternoon of a You can no longer do business with PayPal email today. I know this was done in error as I never violated this policy mistake and needs to be corrected and restored to full functionality. 


I primarily use my PayPal for helping and supporting friends and family. In addition, my PayPal was recently authenticated and connected to a XXXX XXXX account where I received one ( 1 ) income withdrawal from XXXX XXXX. The XXXX XXXX account was not mine and was connected in error. It may appear as 1 person has 2 accounts. Everything I do on PayPal is completely legitimate. 
Now this was not meant to violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I have since removed the paypal from the XXXX XXXX account.
Product: Debt collection

Contacted by XXXX  XXXX from phone number XXXX claiming a lien was being filed on my home in 1 hour, unless I paid XXXX for a unpaid credit card balance from 2012. This was left on my voicemail. Our file # is apparently XXXX. 

When returning the call, I was greeted by a nasty woman named XXXX XXXX, who claimed to be an XXXX County ( PA ) attorney, but she had a XXXX phone number which I found strange. She would not give me any information about the name of her company at this time, only that I owed her XXXX and I had 1 hour to pay it. Eventually after demanding the company name for over 10 minutes, she said XXXX XXXX. She said don't bother to XXXX us, because they have hundreds of branches throughout the country. I asked where she was located, she said, " It doesnt matter ''. I was instructed to go to bank and get a cashiers check or money order, made out to XXXX XXXX. She would not tell me where to send it. She said she would give me the address after she verified I had the check in hand. After numerous attempts asking her for a validation notice, to find out what this debt was for, she hung up on me. 

She then contacted my wife at work and started to harass her & the HR department for the money. When my wife refused to comply, because XXXX would not provide proof of what was owed, XXXX XXXX then contacted my wife 's HR department. She went on a rant about how my wife owed XXXX and that the HR dept had to make my wife pay the debt, or they were going to garnish her wages, effective today, and go after her company also, for not complying. Funny thing, this was my wife 's first day of work with this company, and it was her birthday... and it caused all sorts of issues for her. Her workplace was very upset about the harassment, because they thought the debt might be real. 

Then we received numerous phone calls throughout the night ( XX/XX/XXXX) and on the morning ofXX/XX/XXXXXX/XX/that the paperwork has been filed and were going to lose our home because they red tagged it, and wages will be garnished unless we paid XXXX right away, not the original XXXX. They continued to contact my wife 's workplace, demanding money the following day, and threatening to garnish wages and take our home. 

We have been banking with Capital One for 10+ years and do not owe them a dollar in past debt, so we eventually figured out this was not real due to all the harassing voicemails left and the fact that we don't owe Cap One any money. Plus the debt was from XX/XX/XXXXapparently, and the statue of limitations is 4 years in PA. But my wife almost decided to pay them because of the harassment at work all day long. Luckily they didn't take credit cards, or my wife would have paid them.
Product: Debt collection

I, XXXX XXXX, was involved in an accident on XX/XX/XXXX at approximately XXXX with a XXXX XXXX XXXX and an unidentified XXXX XXXX driver of a XXXX XXXX XXXX XXXX who backed their vehicle into mine ( XXXX  XXXX XXXX XXXX XXXX. We exchanged insurance information with theirs being XXXX and mines XXXX. 

My insurance has found me not to be at fault yet XXXX insist to have me personally pay for the damages to their client 's vehicle. So much so that XXXX has forwarded this " debt '' to AFNI. AFNI continues to harass me stating that they were unable to contact my insurance provider and confirm coverage at the time of the incident.
Product: Credit reporting or other personal consumer reports

Ive disputed these accounts to XXXX, XXXX XXXX Equifax I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on my credit report.
Product: Debt collection

Blue frog is on my report I have contacted them several times including today XX/XX/23 at the XXXX to let them know that the account is not mine iv never got an online loan with them they tried to verify me and it was wrong information when the lady stated she wanted to update my information I said no because the account isn't mine
Product: Credit card or prepaid card

When I purchase my original item ( mini red light treatment ) with my credit wise Wells Fargo card for {$650.00}. I decided to upgrade my purchase with a promo special that the merchant offered. I didnt notice that the promo special included my original item The merchant said that due to inventory they would refund my money for the original item and then re-charge me for the XXXX, special that I was purchasing where are you received my billing statement I noticed they never gave me back that credit for the original purchase I reached out to the merchant which never replied I then proceeded to tell Wells Fargo about my issue after and way over 90 days I see that in my statement Wells Fargo charged me for the credit they had originally given me of {$650.00} I then called Wells Fargo and asked about it they told me that since I had contact with that merchant they found that it was valid charge they did send me a copy of the receipt that I supposedly signed which I then told Wells Fargo that it the signature on the receipt was not mine. If they would have compared my signature on file with the one on the merchant receipt it be obvious to see there different. He replied that Wells Fargo doesnt have a signature specialist to do that beside I had contact with merchant and that makes my purchase valid Also informed me I was too late For me to do anything about it and if I had any other questions otherwise I can have a good day please help me with this issue they do have zero liability XXXX that I did mention to the rep and he then told me once again that I had contact with this project and I purchased something so they found a ballot which still doesnt make sense thank you for your time and I hope to hear from you soon
Product: Money transfer, virtual currency, or money service

On XX/XX/21 my Coinbase account was hacked. About {$1100.00} bitcoin was stolen and another {$2000.00} was taken from my attached bank account ( XXXX XXXX ). 
My cell phone number was hacked ( I used Coinbase 2 step authentication ) so the hackers could get access to my Coinbase wallet. 
I was able to get the {$2000.00} back from XXXX XXXX, but I lost the Coinbase money and my cell phone plan was paid up for a year, and I lost that. 
I tried to contact Coinbase by phone but couldn't reach anyone, so I went to their online support center and was told that my computer was probably hacked or I was " fished '' by a phony email ( I know this was not the case ) Coinbase was the only company that had my cell number, I believe this attack was probably an inside job, but I'm not an internet expert. 
Coinbase then wanted me to the re-sign up with my social security number and drivers license images to regain access to my empty account. I won't do this because I don't trust them. 
I've resigned myself to the fact that Coinbase lost my money, and I just want to warn anyone else not to trust them. 

XXXX XXXX XXXX, Colorado
Product: Credit card

XX/XX/XXXX, I took a taxi in XXXX that charged me XXXX XXXX   and paid with my Citizen 's bank Mastercard. ( Receipt attached ) As you will see in my statement, attached, there are two back-to-back transactions : XXXX Sum-Up XXXX  - {$2100.00} ( this is fraudulent and in the claim ) XXXX XXXX  - {$24.00} ( this is the ok taxi charge ) XXXX XXXX, XXXX - I opened a case with Citizen 's bank # XXXX and spoke with Customer Service Rep XXXX. 

XXXX XXXX, XXXX I followed up with Citizen 's bank and an associate by the name of XXXX gave me the following Claim number : # XXXX -XXXX XXXX  I received a letter dated XX/XX/XXXXXXXX  stating that my claim was denied. 

The bank has failed to show proof of such a large transaction which usually requires identification and a signed receipt- {$2100.00} transaction. 

The bank is failing to attend to my claim and dispute. 

Thank you for your help,
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a credit report on my score I'd like to dispute it under the 15 USC 1681B And 15 USC 1681A
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

XX/XX/year> I deposited XXXX and {$300.00} deposit from my bank into my account for investment, but the account was locked immediately. I contacted the customer service, and the customer service asked me to provide the bank information and return the money to me! But I have not received the money, only this year to contact me, let me provide cryptocurrency wallet address, and then I deposit XXXX sent to me, I provided my wallet address, contact customer service, they did not reply to me!
Product: Checking or savings account

Signed up for checking account having terms for XXXX membership rewards bonus after meeting certain terms. American Express provides a portal showing the status of those terms, proving a green checkbox next to each term as they are met. Of these, there was a term to maintain an average daily balance of {$5000.00} for sixty days. Funds exceeding {$5000.00} were deposited on XX/XX/XXXX and the clock began. 

Upon seeing that all terms were met per the American Express tracker, a transfer of funds was requested at XXXX EST on XX/XX/XXXX. An email confirming that transfer with a transaction date of XX/XX/XXXX was received by email. 

American Express expressly states : " For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after XXXX XXXX Eastern Time or on non-business days will begin processing on the next business day. '' This makes it clear the funds should have been maintained through the day and processed the next business day, XX/XX/XXXX. Reference : https : //www.americanexpress.comXXXX SUMMARY : ( 1 ) The American Express bonus tracker indicated all terms were met. Screenshot attached. 
( 2 ) The outgoing transfer was to occur at 93 days. Screenshot attached.

American Express thereafter claimed the terms of the onus were not met. A ticket was opened and today closed without resolution.