23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage purchased my loan and sent me a letter stating my insurance was being canceled and I had to purchase insurance. I contacted my insurance company and paid for the year. I contacted Freedom Mortgage and notified them that the insurance was paid. They continued to take money from my account for insurance and sent me a refund check made out to myself and my ex-wife. Since I have not been in touch with my ex-wife in over XXXX  years the check is useless. I called customer service and was told to send them a copy of my divorce decree which I did. I was later contacted by Freedom Mortgage and told there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. After checking my Chex systems consumer report I have found fraudulent information being reported that I never played a part in.The account by XXXX XXXXXXXX XXXX Account number last XXXX XXXX closed XX/XX/year> was not opened by me and is reporting a address this is not listed on my consumer report. The following inquiries listed by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX a part of XXXX were not done by me. I never consented or did any application with these companies. Also, personal information such as address XXXX XXXX XXXX XXXX XXXX  and phone number XXXX is not mine.
Product: Debt collection

This Company is reporting that I Obtained a Payday Loan from them. I have advised that I have never received a payday loan from their company and that I was a victim of identity theft. I have requested legal documents like a contract that should be in place if I did such a thing. The company will not respond to me nor verify an information regarding this supposed loan. I have disputed with all XXXX major credit bureaus several times and they keep telling me the company verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX account # XXXX Please investigate and Provide Proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to on-time payments, as they should be, as I was never late. 
thank you for your time and understanding, have a blessed day.
Product: Credit card or prepaid card

I have tried multiple times to withdraw money from the Money Network card that was issued by XXXX XXXX  XXXX XXXX Money Network Financial , LLC. On or about XX/XX/2023, I activated the prepaid debit card I received as part of the California Middle Class Tax Refund. Every day since XX/XX/2023 I have tried withdrawing money from multiple ATMs using the correct PIN but the account shows a {$0.00} balance even though when I log on to the XXXX XXXX  XXXX XXXX Money Network Financial , LLC 's website https : //mbd.everywherepaycard.com/ My balance is still {$1000.00}. I have attempted to transfer those funds to my personal checking account but the system keeps giving me an error. Anytime I call the Customer Service line at XXXX and at XXXX, I am told that they are not allowed to assist with the issues because their employer, XXXX XXXX  XXXX XXXX Money Network Financial , LLC, is instructing the very small customer service team to hang up on all the callers calling in about their tax refund balance so that the bank can keep the funds longer. This is illegal and needs to be investigated.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion under the Fair Credit Reporting Act ( FCRA ) due to the companys failure to properly verify and provide adequate documentation for the following accounts that I recently disputed. TransUnion has confirmed that these accounts are accurate, but I know the information is incorrect and request further verification under FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). 

The accounts in question are as follows : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ISSUE DESCRIPTION I have formally disputed XXXX XXXX, and TransUnion has verified them as accurate. However, under FCRA XXXX XXXX, I am entitled to receive the following information, which TransUnion has not provided : The method of verification used to confirm the accuracy of these accounts. 
Copies of any documents or records used in the verification process. 
The name and address of the furnisher of the information or the original creditor who verified the accounts. 
TransUnion has XXXX  days, as prescribed by the FCRA, to provide this information. If the accounts can not be verified with the proper documentation, I request that they be immediately removed from my credit report. As of today, TransUnion has failed to provide this information within the legal timeframe.
Product: Debt collection

Again another debt collector Diaz & Associates has sent me a letter trying to collect a debt I already paid. In 2005 I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from Diaz & Associates. I have tried through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. They have even called my friends and family asking where I am and told them I owe money. Also they have threatened further legal action even jail. Im tired of these debt collectors selling my information to new debt collectors every time they find out I do not owe that debt. It should be illegal to sell information to debt collectors if the debts have been paid. Enough is enough I want something done.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights pursuant to Privacy Act of 1974 and 15 U.S. Code 1681a - Definitions ; rules of construction. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Money transfer, virtual currency, or money service

I have XXXX Bitcoin with Coinbase Inc. 

On XX/XX/21 I requested a transfer of {$2000.00} to my bank. 
I was immediately notified that the sale had been started, but the money was not transferred. 

On XX/XX/21 I requested a further {$1500.00} which was not transferred. 

Coinbase has not responded.
Product: Credit reporting or other personal consumer reports

XXXX and Experian are violating my rights under the Fair Credit Reporting Act. XXXX and Experian are reporting adverse items on my XXXX & XXXX account without my permission which is a direct violation of 15 USC 1681 C ( a ) ( 5 ) which states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX and Experian are reporting late days on my credit report for this account. This reporting is clearly adverse and being reported without my permission, which is against the law. XXXX and Experian are also reporting a charge off which according to the IRS publication 4681, a charge off is considered income and may not be reported as debt. The account has been charged off as witnessed by the report. 15 U.S. Code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Experian do not maintain reasonable procedures. 
Any and all consent to XXXX, Experian and XXXX XXXX XXXX , whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 U.S.C. 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX & XXXX never informed me of my right to exercise my nondisclosure option.

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer, XXXX and Experian are the reporting agency and I have the right to make sure that my private information isnt shared and is backed by 15 USC 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution, by definition, under that title. 15 USC 1681 section 604 ( a ) section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution, XXXX and Experian, the consumer reporting agency, DO NOT have my consent to furnish this information and they surely DO NOT have my written consent.

12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services for this account.
Product: Money transfer, virtual currency, or money service

I used PayPal to send money to XXXX XXXX at XXXX XXXX XXXX. I looked up XXXX account and sent the {$900.00} dollars using PayPal accessing my bank account for an ACH transfer. I called XXXX and asled if he received the money and was informed he did not. I contacted PayPal and was told the XXXX I sent the money to was the wrong XXXX XXXX, the money went to XXXX. PayPasl said I would need to request a stop payment form my bank XXXX and Paypal will notify XXXX to refund the funds. I contacted XXXX and paid for the stop payment, the ACH was refunded and I thought the was resolved. Once PayPal was notified of the stop payment and the money was not sent, paypal used my XXXX credit card on file and paid XXXX XXXX I sent Paypal a dispute and they denied both claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

BACK IN XX/XX/1996 WHEN I SIGNED UP FOR COLLEGE IT WAS THEN KNOWN AS XXXX XXXX COLLEGE. BUT THE NAME CURRENTLY IS XXXX. I SUBMITTED A AFFIDAVIT AND LITERATURE TO XXXX XXXX XXXX   SHOWING WHERE THIS SCHOOL WAS STEALING MONEY FROM STUDENTS AND WAS ORDERED BY THE COURTS TO REPAY THE MONEY BACK, THIS WAS AROUND THE TIME I HAD SIGNED UP TO ATTEND THIS SCHOOL. THEY WERE CASHING STUDENTS CHECKS, FILLING OUT PAPER WORK FOR FALSE STUDENTS TO GET THE CHECKS. I SIGNED MY NAME 5 TIMES AND SUBMITTED TO XXXX XXXX XXXX. XXXX XXXX XXXX IS ASKING FOR A POLICE REPORT THIS TOOK PLACE IN XXXX, ALABAMA IN XX/XX/1996 WHEN I CONTACTED THE POICE DEPARTMENT THEY LAUGHED AT ME WEN I TOLD THEM THE YEAR OF THE INCIDENT THIS DEBT HAS BEEN FOLLOWING ME FOR OVER 20 YEARS NOT KOWNG ABOUT MY RIGHTS AND THE LAW I NEVER KNEW THAT I COULD HAVE REPORTED THIS SCHOOL YEARS AGO, I WAS YOUNG AT THE TIME AND I THOUGHT THE SCHOOL WAS CHARGING ME FOR NOT FOLLOWING THRU AND DIDNT GRADUATE. THIS DEBT IS ALL FRAUD!!!!!!!!! WHEN I GO ONLINE AND LOOK AT MY RECORD. IT SHOWS ME AS A GRADUATE STUDENT FROM XXXX XXXX COLLEGE. THATS THE FIRST INACCURACY I NEVER GRADUATED FROM COLLEGE WHY WAS IT REPORTED THAT I WAS? SECONDLY I NEVER CASHED A CHECK FROM THIS SCHOOL. I SIGNED MY NAME 5 X AND SUBMITTED TO XXXX XXXX XXXX. I AM ASKING THE DEPARTMENT OF EDUCATION TO STEP IN AND ASSIST. I SENT FED LOAN SERVICING CRITICAL INFORMATION I GATHERED FROM THE XXXX, ALABAMA COURTS THAT SHOWS THIS COLLEGE XXXX XXXX COLLEGE STOLE MONEY FROM THE GOVERMENT AS WELL AS STUDENTS AND I ENCLOSED IT WITH MY DISPUTE / FRAUD. I HAVE A POLICE REPORT FOR FRAUD BUT NOT FROM XX/XX/1996 AT THE TIME THIS WAS NOT ON MY CREDIT REPORT UNTIL MANY, MANY YEARS LATER. I HAVE PROVIDED CRUCIAL EVIDENCE THAT THE SCHOOL WAS MISUSING STUDENTS FUNDS AS WELL AS CASHING CHECKS OF STUDENTS THAT HAD WITHDREW. PLEASE INVESTIGATE AND REMOVE.
Product: Credit reporting or other personal consumer reports

I received an update from XXXX showing that my account had dropped from an XXXX score to XXXX due to a delinquent Kohls account. When I checked my Kohls account last month, it actually had a credit on it, so no payment was due. 

However, upon checking today, I had a {$2.00} delinquent balance. I have no idea where this charge came from, as I haven't shopped at Kohls for several months. I paid the balance, but am not sure how to rectify the issue.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted kashable LLC they provided documentation stating that account was paid as agreed and never late XXXX keeps reporting late payment I have disputed for two months
Product: Debt collection

Company is reporting on all XXXX credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail
Product: Checking or savings account

Although, I initially tried to open a business account several years ago with Wells Fargo the account was never opened. I am receiving numerous emails regarding a Businsss Account that was never opened. I've notified the banker via email, spoke to a Branch manager in person and no one has been able to assist. Today, I contacted the Email Fraud Dept directly to escalate the issue with the Wells Fargo Email Dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 payment was sent to XXXX & XXXX XXXX Synchrony bank to pay off the balance for the amount of {$340.00}. 

Included in the check amount was a copy of the statement and the payment was mailed to the processing center XXXX XXXX XXXX XXXX, Florida XXXX. 

For some reason, the check was returned stating the company did not know how or where to apply the payment. A copy of the statement was included so there should be no discrepancy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX is in dispute, the collection agency has been notified twice by registered mail that the account is in dispute. It was my understanding that the collection agency was barred from reporting the account to credit reporting agencies while an account is in dispute per Missouri State law. As you can see, I have excellent credit and none of this would have happened if XXXX XXXX had lived up to their agreement with me. I have retained the services of XXXX XXXX XXXX, XXXX XXXX, Mo. They have identified several incidents of fraudulent activity by XXXX against us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  keep reporting erroneous information to XXXX and Transunion. I have disputed the error multiple times. XXXX  and Transunion is reporting the info as accurate, although, the account is included in the primary borrowers Chapter XXXX bankruptcy.
Product: Credit reporting or other personal consumer reports

There are multiple duplicate inquiries that appear on my report and belong to me. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

On XX/XX/XXXX, my phone was stolen and the individual had sent himself {$3200.00} from my PayPal account to his. Due to my phone being stolen & not having direct access to my PayPal app account. I didnt not realize funds were taken out of my account until XX/XX/XXXX. I tried to reach out and solve it personally but was unsuccessful. I wasnt able to get back in my PayPal app account until XX/XX/XXXX where PayPal told me to request it from his account. They were waiting to hear back from this person but was unsuccessful. I made a dispute on the XXXX but on the XXXX it was denied due to the transaction being made from my personal phone that was stolen from me. Once I clarified that my phone was stolen an appeal was made and they asked me to file a report with IC3. This report was made that same day. They made an appeal but I still have not received the money back that was stolen from me.
Product: Credit reporting

Equifax transaction code XXXX # XXXX I was not able to view this report because when I went to the icon to create an account for 30 days and came back to the first page, I was kicked out. Thus as the law requires I only got to view the first page of the equifax credit report. Now it is telling me that I already got to review my free report when I did not had any time to review anything. I do not not want to write because I needed this report yesterday. 
Fix my account on equifax so that I can go back on line tomorrow or where do I report this problem ... XXXXXXXXXXXX XXXX F
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX yr retired XXXX..I loss my housemy car and my job from having a XXXX at work ... 
I can not get an apartment or a car or job. I've asked them for my file they will not send it ... I was told my credit was breached but when I sent an account they refuse to erase that information. 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiries on account that are not mine or authorized by me XX/XX/scrub> 2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX, 2024 XX/XX/XXXX XXXX XXXX XXXX XXXX, 2024 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violtated 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 Inquiries that I didn't authorized : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX