23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Around XX/XX/XXXX, through the XXXX  XXXX XXXX 's school email, an email was sent to students about an employer looking for a personal assistant. Since it was through the school I believed it to be secure and I applied for the job. On XX/XX/XXXX, I received an email stating that I was confirmed for the job and that I was hired. In the email it was said that I would receive a weekly pay of {$450.00} and benefits, it also listed job tasks that I would have to complete. I was also given onboarding employment paperwork under impersonating the XXXX XXXX XXXX. On XX/XX/XXXX, the " employer '' asked me to mobile deposit a check into my bank account for the sum of {$1400.00}. The check deposited and I believed all was clear. The {$1000.00} was meant to be used for business expenses that the employer wanted me to purchase. Throughout XX/XX/XXXX and XXXX I was told that I needed to buy a variety of gift cards as my job tasks as a personal assistant for this employer. These purchases would add up to {$900.00}. On XX/XX/XXXX I was notified that my bank account was overdrawn for {$900.00} dollars because the check bounced as it was part of a fraudulent scam. I filed a police report with the XXXX XXXX XXXX Police Department as well as the XXXX XXXX XXXXXXXX police department on XX/XX/XXXX. I also called my bank, Wells Fargo, on XX/XX/XXXX right away as I found out that I was scammed. I provided the bank with both case numbers and with as much information as possible. However, I was told that my claim was denied and that I would not get reimbursed.
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank Account # XXXXXXXX XXXX Account # XXXX XXXX account # 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.
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft, and I recently obtained a copy of my credit report, which revealed a {$900.00} collection with Money Lion, {$24.00} balance with a company called XXXX XXXX XXXX XXXX. I have never made an account with these organizations, and they will not assist me because I am not a customer.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXX/XX/XXXXI disputed an account reported by XXXX XXXX XX/XX/XXXX XXXX in the file you maintain under my Social Security Number. 

I was informed on XX/XX/XXXX, that the account was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the 30 days past due from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XX/XX/XXXX 

Please govern yourself accordingly.
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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: Money transfer, virtual currency, or money service

I have an account with Coinbase. They blocked me ( and lots and lots of others judging from XXXX reviews ) from accessing our crypto by saying our identity documents needed to be verified. I uploaded my documents 3 times but the message persisted and finally got worse, threatening me with something called 'offboarding '. I first contacted customer service about it on XX/XX/XXXX. After several more complaints they responded today XXXX XXXX saying that the addresses on my documents do not match address given which is a lie. I took comfort in the fact that this is not just happening to me but to other people as well. I am worried that the exchange has been hacked and that they are covering it up. Something is definitely fishy about their behaviour and lack of communication with customers. I would like access to my coins so I can move them off the exchange.
Product: Debt collection

I was an authorized user on a credit account of my fiancs. After getting married she had old debt that she could not pay so she declared bankruptcy. Prior to declaring bankruptcy she had me removed from her accounts as an authorized user but missed this account. After she filed bankruptcy and her lawyer sent out the letters she noticed she had missed this company. She called them and told them she needed to remove me. They stated oh no hes a joint account holder. I called them and they repeated the same thing to me. I told them to please send me documentation to this effect and they assured me they would. To date they have not. They just keep saying its mine and I keep disputing it. They have never called or responded to my notes saying its not mine. Now they have closed other accounts of mine and lowered limits. All of my accounts are pained on time. I have no lates ever.
Product: Credit card or prepaid card

I have multiple cards with this company, while I have been making payments ON TIME, they have been decreasing my credit limit EVERYTIME I make headway on paying them off to help my credit score, with this happening they are increasing my utilization and making my score even WORSE everytime they do this, I have a XXXX, XXXX XXXX and also a XXXX card and they have done this to ALL of them several time and they have also say it was because of credit issues, how can I make this better if they are activley working to mak the situation worse, also NONE of my other account have had this issue from other leanders how can they be the only one.
Product: Bank account or service

On XXXX/XXXX/2015 I went to TD Bank at XXXX to withdrawl money thru ATM. I first tried to get {$300.00}, but I got messege that I was over daily limit which confused me since I had only made deposit earlier in the day. Since I got messege I decided to try {$200.00} and was able to get that and got a reciept which included my balance. I contacted the XXXX branch when I got my monthly statement and was told by Assitant manager they would look into it since they were having problems with machine. I just got letter saying they did n't find error and would not credit me. I find this hard to believe since I have reciept for my withdrawl and you would think a bank can add and subtract properly. I am looking at what courses of action I must take to protect me from this banks erroring ways so I am filing this official complaint, and/or filing theft charges against bank with police and hiring legal reprsentation to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported the credit agencies that I settled my account for a lesser amount owed. This authorization must be accompanied with a verbal approval or a signed Settlement Authorization Form. I did not approve either. I did not authiorize a third party to act on my behalf. Because my account was fradulently settled for a lesser amount, my credit score was tremendously affected negitivley. I have requested that XXXX XXXX provides me with the signed Settlement Authorization Form ; which they have failed to produce. Due to a third party acting on my behalf without my approval, this action by law is identity theft. XXXX XXXX XXXX also reported to the credit agencies, that the XXXXXXXX XXXX  payment was late ; which is false. It is also being reported that the accout was paid in full on XX/XX/2022. One has to be false ; which results in the removal of the account by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Balance {$170.00} ; XXXX XXXXXXXX Balance {$2000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$7600.00} ; XXXX XXXX XXXXlance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, L.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance .I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because Equifax should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have uploaded my letter. To show proof, that I have mailed in a copy to Equifax. 

Equifax has violated my rights. In my letter, I have attached supporting documents for my Identity and current address.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft pursuant to Section 605B of federal law, which protects against the unauthorized use of my personal information. This situation has caused me significant distress and has impacted my ability to manage my financial affairs. I have taken steps to report this theft to the authorities and to safeguard my identity, including notifying my financial institutions and credit reporting agencies. I am committed to resolving this issue and reclaiming my identity.

In 2020, I became a victim of identity theft when my personal information was compromised. This violation not only affected my financial well-being but also my sense of security and trust in others. The aftermath was overwhelming, as I spent countless hours dealing with financial institutions, credit bureaus, and law enforcement to clear my name. The emotional toll was significant ; I felt vulnerable, anxious, and unsure about my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account balance in full on XX/XX/XXXX which was two days before the due date, and 32 days before the new charges were due. The account statement was issued on XX/XX/XXXX with a zero balance. Thereafter, I used the card to make a few purchases, and on XX/XX/XXXX, Synchrony Bank reported the new charges to the Credit Bureaus. Those charges will be paid in full in XXXX XXXX before they are even due in XXXX XXXX, yet I am being penalized with " early '' credit reporting. This card has a 5 % cash back benefit and a 25-day grace period to pay new purchases without paying interest, so reporting new charges " early '' is just punitive to those of us who handle our accounts correctly. I have had this account open for four years and Synchrony has never, to my knowledge, reported new charges " early. '' I was not, to my knowledge, informed at any time that there would be any changes to the way my account would be reported to the credit bureaus. This change and practice seems punitive and destructive to the issuer/cardholder relationship. Over time, cardholders become accustomed to the business practices of each issuer and any negative change in issuer behavior not directly attributable to negative account management on the part of consumers, causes disruption to consumers. Any change in credit score as a result of said negative issuer behavior I consider as damage to my personal financial health. Why would a credit card issuer seek to damage my credit scores and health, while I am paying my account in full before the charges are even due?
Product: Credit reporting

After carefully reviewing my Experian Credit Report, I noticed a couple of creditors incorrectly reporting to my credit report. 
Below is a small list of the creditors that I would like to have permanently removed from my Experian Credit Report immediately, please:1. XXXX XXXX COUNTY RECORDER - Identification numberXXXX. This public record 's creditor is reporting to my Experian Credit Report by mistake. I 've reached out to the county recorders office regarding this Public Records item and they 've confirmed with me this it is reporting to my credit report incorrectly. It is basically reporting to the wrong XXXX XXXX XXXX, XXXX As a matter of fact, to ad insult, based on their records, XXXX is not even included in the name that its supposed to be reporting to nor is the address mine as well, based on what they have in their records. 
2. XXXX - Account numberXXXX .... I 've never had any XXXX XXXX XXXX credit card and nor do I know of anyone who has added me to their XXXX Card as an Authorized User as it states on my credit report. I would like to have this credit card permanently removed from my credit report, please.
Product: Credit reporting or other personal consumer reports

Recently. Did a investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681 e ( b ) accuracy of report whenever a consumer reporting agency prepare 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 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by 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 notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have applied multiple times for a credit limit increase. Bank of America never answers. 
The limit has created serious problems for me as I have to make multiple payments during a billing period, rejection on purchases etc etc. 
I have excellent credit above XXXX score and I don't like to use more than one credit card for organizational purposes. XXXX  violating the law as usual does not answer the credit increase request and does not follow their own rules. Of course try to talk over the phone is useless and with no resolution either. 
Attached is proof of my latest never answered credit increase request a month ago. 
I believe there should be a criminal investigation against Bank Of America for their fraudulent practices.
Product: Mortgage

On XXXX XXXX, 2020, i received a letter from Bayview Loan Servicing requesting proof of hazard Insurance for my loan. That same day, I obtained the insurance and emailed them proof, along with the condo association Certificate of insurance, to the email on the letter - XXXX. 
On XXXX XXXX, 2020, i received another similar notice and this time, i emailed the proof again to the email and also entered to the website listed on the letter - XXXX/ ( hidden ). Both times I received no response, call, email, nothing. 
Today, XX/XX/ 2020, i received yet another letter, this time stating that they obtained insurance to my condo since i didn't provide proof. 
I have tried calling and they never have anyone to answer the phones. 

My second loan payment, they double charged me and i had to cal twice only to be told that i needed proof, even though they had the money in their account and they were the ones to charge it, in order to get the money back. 

This company is dishonest and predatory and the ones who usually get hurt are people of XXXX such as myself! 
This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears someone in XXXX, Florida ( where I have never lived, owned, or rented property ) may be using or have accounts in collections that are being reported on my credit report. I've disputed the associated address, the related collections ( rent, utilities, etc. ). I submitted these to XXXX, XXXX, and Equifax. 

However, the responses are not actually processing the dispute. Instead, they are merely " correcting '' the address but even that " correction '' is the exact same address in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company added a hard inquiries to my credit report thats not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan orginated in XX/XX/XXXX. It was a heloc with {$65000.00} line of credit/balance. I was told when applying the loan matured in 10 years and if a balance, it automatically converted to a 10 year amortized note. I was notified by Bank Popular in XX/XX/XXXX via letter from their XXXX XXXX Headquarters that the balance was due in full XX/XX/XXXX and there was no conversion clause. I asked why I had not been notified and was told it was my responsibility to honor the terms of the note. I made payments through XX/XX/XXXX ( I have all cancelled checks ) and paid the balance in full the end of XX/XX/XXXX.  They are reporting to the credit bureaus that Foreclosure was started. I live in XXXX. It was a Mortgage Note. In order to start foreclosure a legal notice must be filed with the Clerk of the Court ( XXXX XXXX ). I verified that no filing ever occurred. I filed a claim with XXXX and the result was the Bank claimed it was accurate. I called the Bank and discussed this with them and requested any copies of any Foreclosure filings or documentation. They claimed the account was paid in full and closed and there was nothing that could be done. Spoke with XXXX again and they said that as long as the Bank reports this they can not remove it. I have no problem with them reporting the payment history as past due because of the balloon payment. I should have read the complete note at closing. That was my error. The reporting of Foreclosure on the credit report is making it impossible to refinance my home to replace the {$60000.00} I took from my retirement to pay them as soon as I was aware of the problem. Issue is : fact - they Never Started Foreclosure and the reporting that they did is false.