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

Hello I called Experian demanding inquiries that are inaccurate on my credit report. An agent told me that I could not remove them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX is engaged in securities fraud. As the issuer of the note which is the contract they did not disclose it was the collateral which would be used to sell for profits. The notes are pooled together and sold on the market to raise capital for the business and its shareholders. By their own prospectus that they submitted to the sec it outlines their business practices and how the note transaction works. 

XXXX XXXX XXXX XXXX XXXX is the issuer of the contract which is the note then the note is deposited with XXXX XXXX XXXX XXXX XXXX. Citibank N.A. is the owner trustee and XXXX XXXX XXXX. both had a fiduciary duty to ensure I was paid for my investment. Not only has XXXX continued to sell the security but they also repossessed the vehicle and sold it for profits. This is type of behavior is criminal and XXXX could also be civilly liable for any damages that may arise. 

XXXX continues to allege I owe them a debt which is NOT true they issued an unconscionable contract knowing it was XXXX sided and they would only benefit from me. Even with my repeated attempts to rectify this issue they continue to violate federal laws put in place to govern publicly traded companies. A complaint to the SEC and XXXX about this matter is warranted since XXXX refuses to follow the trading laws.
Product: Mortgage

On XX/XX/XXXX, I made an overpayment of {$4600.00}. On XXXX I called and requested a refund on the overpayment. Was told 5 days it would be resolved. As of today, XX/XX/XXXX Ive spoken with 6 different people at Shellpoint and each time they have a different excuse for not refunding it. Asked to speak with a supervisor or manager with no success. I want my money returned with interest
Product: Money transfer, virtual currency, or money service

To whom it may concern, On Saturday, XX/XX/XXXX my phone was hacked. I was not able to make calls or receive texts. The hackers deactivated my cell phone. They had complete access to my phone. 

I lost service on my ( XXXX XXXX XXXX  I was booted out of emails and accounts. When I checked my XXXX XXXX that evening, my funds had vanished. All {$13000.00}. I was devastated and reached out to customer support. They informed me that it wasnt their fault as the hacker used my password and XXXX codes. This is false as I did not authorize the transaction. They sent me an email when the hacker had access to the account with me realizing that my funds were stolen in four minutes, around XXXX that day. 

After trying to figure what has went on and back and forth with Coinbase Support I realized that another transaction had happened on XX/XX/XXXX. This was for {$1000.00} from my XXXX account. I have informed my bank immediately. 

I hope to have a full refund of my coins from Coinbase, all {$14000.00} and access to my account again. 

I have opened up a case with Coinbase regarding the fraudulent transactions. Please reach out if you need my case number. 

Look forward to hearing from you soon.
Product: Checking or savings account

I had several fraudulent transactions in my account that were generated by the same person/company. Upon reporting it, Ally has refunded the money on most of them. However, they initially refused to refund the very last transaction. Their reason was that I reported it too late. However, I report the very next day after that last transaction. After views, they refunded a portion of the fund, {$3400.00} out of {$5800.00}. When I asked them, they could not tell. This is after numerous phone calls and hours of waiting. Upon my pressing for an answer, they promised a call back within three days from an Executive group employee, but it never happened. When I called again this morning, I was told to patiently wait. The fraudulent transaction happened on XX/XX/2018. It has been almost 3 months. I don't think this is acceptable. Please help.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

GIVE XXXX XXXX XXXX PERMISSION TO PULL CREDIT AND NOW I HAVE SEVERAL UN AUTHORIZED HARD CREDIT PULLED AND WANT REMOVED, FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of many requests, this was my 8th complaints that there were some inaccurate accounts listed on my credit file continue to report. I'm so very disappointed whenever i saw my credit report with such an erroneous informations. In violation of federal law, accounts should be corrected right away. These inaccurate accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved clearly. The following accounts seems to be an error on my file that needs to be corrected : XXXXXXXX XXXX XXXX XXXX Balance {$360000.00} ; XXXX XXXX XXXXXXXX Balance {$4600.00} ; XXXX XXXX Balance {$3700.00}.
Product: Student loan

I have received multiple calls from Navient regarding a student loan that belongs to someone named XXXX XXXX who is using my phone number. I do not have a student loan with Navient, nor do I know a XXXX XXXX. 

Today was the final straw in receiving calls from them. On XX/XX/2021 @ XXXX XXXX  I received a highly unprofessional and threatening message stating I had until XXXX XXXX or else along with a bunch of other stuff. It was so over the top it was almost laughable. When I called back and spoke to someone else, he was the so rude and actually started screaming at me and told me I was wrong in how skip tracing worked. No actually I am not. I work in the credit and collection space and am very well aware of how it works, how data is collected, and what consumer rights are. I absolutely do not appreciate reviewing such an influx of calls, rude & threatening messages, or live rudeness. 

I pulled my credit reports and XXXX XXXX is not listed anywhere as being identified with my telephone number, nor do I have any type of student debt listed or any inquires from Navient are listed. 

I want my phone number removed from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have already complained about this company and this same debt.Unfortunately, there were 2 collection companies that were worded ( almost ) Identical. The company reached out to me and told me, I apologize to them I am still in the same boat with the o right collection agency.Ive been fighting this bill for years, which brings up very bad memories every time I have to go through this. I explained this to the company, they are well aware that this bill was paid for, I got into an argument with a few people when this first arise four years ago, and instead of fixing it, or helping me, by removing it, they used to call threatening me, and they listed the same exact debt on my credit report 8 different times. The amount of the debt is {$780.00}, they also sold it to another company as well, so theres another bill for {$400.00} some odd dollars listed on my credit as well which is also the same debt. The bill originated in XXXX or XX/XX/2015, and the original creditor was XXXX XXXX Hospital then XXXX XXXX XXXX. I have explained over and over to the current company going back years now that I had insurance and it was paid for and all it did was get me into arguments. I spoke to the hospital that the original bill was from and the other creditor and I was explicitly told that the bill was paid by Florida XXXX in full. I also had XXXX at the time, they were well aware of both of those things, but now that I spoke to the hospital and they told me the bill was paid and they have no idea why am being chased by this creditor, I dont know what else to do because they will not remove it off of my credit reports. This company is very dishonest. I would appreciate any help you could give me. Thank you so much & have a great holiday! I was just denied by the way for another cell phone, I couldnt get my mortgage and the list goes on.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a CFPB complaint against Transunion for ignoring the request for the method of verification I have received Transunions computer-generated response stating that Transunion they did not send the method of verification because in Transunions opinion, they believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on Transunions part to not send the method of verification, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2020 by certified mail that I questioned the accuracy of a few items on my credit reports. You were advised by me on XX/XX/2020 by certified mail that I wanted the method of verification. Those requests was written by me and mailed by XXXX a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. 

I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. 

Please take notice that this complaint was filed on XX/XX/2020 and is formal notice to you that I am requesting that you continue forward with my original request and send the method of verification The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Also I therefore legally and lawfully refuse your form letter. I am outraged at your accusation and I have fully researched my rights in regard to my credit file. I look forward to your expediting my original request immediately. 

The next step for me after this is to file a law suit for violation of the FCRA
Product: Credit reporting or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

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 1681. 

XXXX  # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXXXXXX XXXX  # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and still no response from XXXX, XXXX, or Experian. 
I've seen the letters on the XX/XX/XXXX for the following accounts : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Checking or savings account

Today, XX/XX/year>, Fifth Third negativity withdrew {$490000.00} from a closed account supposedly due to fraudulent transactions on a canceled card and a closed account. They reopened the account due to disputes, so they say, and placed a negative {$490000.00} balance on my account. After having trouble with this bank and several forced transactions on a canceled card, I had to fight to receive over {$900.00} back and that's just the recent disputes I've had. I tried for a long time to close the account but they kept taking out fraudulent amounts on a canceled debit card. My child support would then fill the negative amount causing for shut offs, late or not being able to pay bills. I was finally able to close the account, or so I thought and then this morning I received an alert of a negative withdrawal of {$490000.00} after the account was supposed to be closed. I tried to sign in closed account it would not let me. I called the bank and they said they reopened it because of " disputes '' and took a withdrawal of {$490000.00} out.
Product: Credit reporting, credit repair services, or other personal consumer reports

while checking my recent credit report. I noticed credit inquiries that I did not authorizes made by the following companies. XXXX XXXX XXXX office locator at XXXX XXXX XXXX XXXX IL XXXX. I  contact XXXX XXXX and they state that they do not pull credit. I had notify Experian about this transaction they fell to removal it from the credit file. it was als o on my XXXX report but went I notify then they removal with no question and send me a Letter of removal. this a violation of the fair credit reporting act section 1681b ( c ) and a serious beach of my privacy.
Product: Credit reporting or other personal consumer reports

I am disouting the following unauthorized inquiries on my credit file : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX These inquiries were made without my knowledge or consent, and therefore must be removed from my credit report. Additionally, I want to dispute a fraudulent account on my credit report XXXX XXXX account number XXXX. I have not opened or authorized this account and believe it to be a case of identity theft. In accordance with the FCRA, please investigate these disputes and removed the unauthorized inquires and account listed in my ID Theft Report from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX & CO XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Balance : {$490.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$940.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance : {$510.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$490.00} XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th time disputing, complaining, asking for proof, documentation, and validity that this is my debt with this company. This company continues to report false information monthly on my credit file as if I have interest that accrues every month. The address that they have in their database is an old address that I have lived in the past. However, this address was also used to purchase a vehicle in my name with my social, dob, etc. 

I have filed a police report in the past because I am a victim of identity theft. I have had someone get a apartment in my name before and now a vehicle and I've had no problem getting the apartment removed from my credit report. 

I have reached out to Coastal Credit several times about this same issue and have not yet received anything showing that I am responsible for this debt or if it is mine. Every time that I ask for this information from the credit reporting agencies they continue to state that the debt is valid without any proof. They stated that they tried to work out a settlement with me. I was never contacted about a settlement and why should I have to pay for someone else 's debt. This is unfair to me because its causing me to have problems getting my vehicle refinanced with my credit union. This information is reporting inaccurately to XXXX, XXXX, and XXXX. 

And again, please show me PROOF that this was my vehicle or my debt. Anyone could have signed off on this vehicle in my name. As stated before I have been a victim of identity theft since XX/XX/2011. Please have this removed from my credit file IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Although bankruptcies are public record as per 15 U.S CODE 1681 ( a ) ( 2 ) ( b ) my written instructions are required for this information to be published and I have not provided any written instructions consenting to this. I also previously requested to know how this bankruptcy was even verified and the response was they received my full social security number from the nationwide consumer reporting agencies. I would like to know who provided authorization to share my full confidential social security number. According to Bankruptcy rule 9037 social security numbers are partially redacted, addresses are partially redacted. I still have not received all of the documentation to how this was verified. Process and procedures of verification have been requested multiple times. 15 U.S. Code 1681n
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an unpaid credit card to TransUnion on my credit report. I contacted XXXX XXXX and they have no account using my name, address, social security number or phone number. I contacted XXXX XXXX bank that administers XXXX XXXX and they have no account using my name, address, social security number or phone number. I filed a dispute with TransUnion and the results of the dispute was that the investigation and my connection to the card was verified and accurate. This cant be true as I have confirmed with both companies that I do not have an account of any kind with them.
Product: Money transfer, virtual currency, or money service

My case with PayPal was denied : XXXX I requested assistance with an XXXX refund problem due to an illegally listed rental that I attempted to cancel but did not receive a full refund for. All NUCs were ordered shutdown in Hawaii in XXXX as non-essential businesses, and on the island of XXXX where this rental resides mayor XXXX has never given the OK for short term vacation rentals to resume operating. It is illegal to operate an XXXX rental on the island of XXXX, this includes advertising your business. I would like assistance with getting my full refund for a fraudulent listing of illegal services. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The website may update over time, but as of XX/XX/2020 it states : On XXXX, short-term or vacation rentals are considered non-essential business and illegal to operate. 
This is because mayor XXXX has still not allowed them to reopen, for which they have sued him. While I feel bad for their plight, they have broken the law and illegally sold me services when the government has forbidden them from doing so. 

Here are some of the relevant government orders I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The shelter order has never ended. Per the NUC clarification guidelines they aren't supposed to operate or advertise during this period. They broke the law, they ran their their business illegally, I just want my money back so I can deal with a business in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry US SM BUS ADMIN ODA Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.