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

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

Account Name : XXXX # XXXX Account Name XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Saying I have less money then what I had taking money out of my account workout my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXXXXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX  XXXX and let them know and they said they would take action to get this removed from my credit report. I also called XXXX and they said they would do the same.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

After opening 10 other claims against Coinbase, while they still locked my money in the vault, I finally found a way to force it out of the vault, despite Coinbase stating it was open to withdraw. 

I initiated it on XX/XX/24, approved the vault withdraw via email, and according to Coinbase it takes up to 48 hours. But it is STILL PENDING. 

FIX THIS SO I CAN GET MY MONEY OUT OF THIS COMPANY. YOU HAVE BEEN HOLDING MY MONEY HOSTAGE FOR NEAR A YEAR.
Product: Bank account or service

To Whom it may concern, my name is XXXX XXXX, my mailing address is XXXX XXXX XXXX XXXX XXXX. My phone number is XXXX and the email address is XXXXXXXXXXXX. This complaint is against Wells Fargo, my active checking, account number is XXXX and an inactive checking account XXXX. 
My problems started back in XXXX of 2015, XXXX XXXX or XXXX ( i dont know her last name because she said she didnt have to provide it. ) She told me that I came in the branch on XXXX and XXXX and made a withdrawal of XXXX. After many attempts of trying to talk to XXXX XXXX to no avail, I also attempted to talk to XXXX XXXX at the Advisory Department on XXXX, and she informed me that she had talked to XXXX and this was a cash withdrawal and i would have to speak with her. XXXX XXXX called me on my phone and informed me, '' It 's not my job to keep up with your money. If you do n't know how to do your online banking, that 's not my fault. You had your Niece to come in and make a cash withdrawal and hung the phone up in my face. '' I asked her if i came into your institution, allow me see the film, in which she stated that " she did n't have to '' show me anything and closed my account and told me to leave the bank. 

Back in XXXX of 2015 ( I 've faxed all the information claim number:XXXX ), Wells Fargo ran several payments to XXXX 1 . {$92.00} 2. XXXX and 3. {$140.00}. I received a letter from Wells Fargo 's Fraud Department accepting blame. ( letter also faxed to you. ) All of my services have been disconnected for nonpayment of services. Well Fargo is saying that it 's been paid, but they will not show me where it was paid or where my account was credited.
Product: Mortgage

In XXXX of XXXX Carrington mortgage lost a postal money order that was sent with another money order along with payment coupon in the same envelope. When I contacted them after checking my account information online they said I had only sent a partial payment and put my next payment into a suspense fund. An employee told me when I called that they would research this and get back to me. That did not happen, when I called again later that week I was told it would take 30 days to research this and that they would let me know what the findings were. I was told not to make a payment until this was resolved. I have been told week after week that they were still researching the missing payment. This could have easily been resolved if they would have just said they lost or misplaced the payment as I could have easily gotten a refund from the United States Postal Service and resent the money order. From XXXX till now I have still not received any resolution. This has been going on for over 90 days, this company has ruined my credit in the mean time. I called and asked what I could do to get this resolved and I was finally sent a payment coupon for the amount of {$7100.00} to bring my account up to date. The payment coupon was for XX/XX/XXXX.This was the first correspondence that I have received from this company in months. The day I received this I also received foreclosure papers from the Sheriffs Department. When I called to find out for sure how much would bring my account up to date I was told {$7100.00}. Today I was checking my account online only to find out that they have taken money that they put in a suspense fund and now they say that I owe another payment. I was told all fees would be in that {$7100.00} and my payment would be up to date until XXXX XXXX. Now I was told that is not the case. This company seems to make up its own rules as it goes along. A representative named XXXX asked me to fax all the information that I had, I documented phone calls copies of the money orders and the people I have spoken to, I faxed this information to her XXXX/XXXX/XXXX. All of this information has been faxed to this company 4 previous times. I have lived in this home since XXXX XXXX, XXXX. I would not have done anything to have put my home in jeopardy. I have not had any problems with any of the mortgage lenders I have had before it was sold to this company.
Product: Credit reporting

The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries by XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX
Product: Mortgage

Closing disclosure stated the funding transfer date would be XX/XX/2021. However, it it now XX/XX/2021 and we have not received funds. Called on XX/XX/2021 right before XXXX and spoke with XXXX XXXX and was told funds would be transferred on XX/XX/2021. Have called and emailed to no avail. They are intentionally withholding our funding after we have been through the three day waiting period. We are under the impression this is to collect interest on that money for as long as they can, before they send us the funding we agreed to in the refinance agreement. We can't get calls back or updates. We have had to pursue getting this done and done correctly, this entire time. Never once have we been made aware of an issue before we have to call wondering why something isn't done. We have construction crews on hold until we get these funds, for our remodel. My mother has stage XXXX XXXX XXXX and we will be leaving at the end of XXXX to visit with her and the timeline for our renovation keeps getting pushed farther and farther out because Mr. Cooper is refusing to release the funds that they owe us. It is getting pushed to the point where we will likely have to delay until after our visit with her because they won't be able to get inside our home, without us there.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

How does Experian make their money? Do they Charge companies like XXXX XXXX XXXX XXXX ( XXXX ) to access my credit report? If so, shouldn't Experian be responsible for protecting my credit report if XXXX unlawfully accessed my report? In XX/XX/2017, XXXX and one of their affiliates did not have permissible permission to access my personal credit report. This led to a fraudulent loan. XXXX simply labels all complaints over the last four years as duplicates without reading complaints. This is evident by the speed complaints are denied and labeled duplicates. Therefore since Experian is profiting by releasing my private information, should Experian be held liable. However Experian just replies with standard " feel good '' replies without accomplishing anything.. Experian has learned to play and mock the US through the CFPB. The XXXX  troops are complacent in XXXX  just like the employees of large businesses because they refuse to stand up. They are scared and do wrong for the sake of money.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX. , owned two sets of my loans -- one through XXXX and another through XXXX XXXX . 
-I have been in communications with XXXX XXXX who was my account rep, about reaching a settlement agreement. In the meantime, I set up an automatic monthly payment plan, that I have been paying off for several years now. I was paying {$320.00} for my XXXX loans, and {$100.00} for the XXXX XXXX loans. 
-I noticed that money wasn't being deducted from my account in XX/XX/XXXX. So, I called XXXX, and I was notified that the money wasn't being deducted from my account because my automatic monthly payment plan permission, had expired, and I needed to grant them permission again. This was done verbally, by phone. More importantly, I was never notified in writing, electronically, or by telephone that my permission had expired. They also never notified me that I would need to do the same for my XXXX XXXX loans. Although, that week alone I had received several calls asking if I was still interested in reaching a settlement agreement. 
-In XX/XX/XXXX, I received notice from a new debt collector that they were now in possession of my XXXX XXXX loans.

-When I called Asset Recovery Solutions, they informed me that they sold my loans because I had not made the {$100.00} dollar payment since XXXX months.When I inquired why it hadn't been automatically deducted, they said my approval had expired. They never notified me of this by telephone, email, or in writing. They also never notified me that I had missed any payments. I asked why they hadn't notified me, given that they had my contact information. The rep on the phone said that they only updated my telephone number for my XXXX loans, and not for my XXXX XXXX loans-which was a clear oversight on their end. Regardless, they also had my email address and mailing information, but failed to notify me using those avenues. 
-I called again, and got in contact with XXXX. She said it was not Asset Recovery Solution 's responsibility to notify me that my loans were being sold. 
-When I asked whether they could reclaim my XXXX XXXX loans, so they could be under one debt  collect, they said no. 
-I was in the process of reaching a settlement agreement for all my loans for a down payment of XXXX dollars. Now, I'll need to begin negotiations terms with both debt collectors.
Product: Bank account or service

I filed against Bank of America refused refund {$900.00} for unfair and deceptive overdraft practices. In addition, I do not satisfy with Monthly service fee {$.00} with unfit Oregon resident records. I do not interest in Bank of America within XXXX resident telling to U.S. Senators!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX and Equifax from XXXX of 2017. 

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 ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 during process of purchasing a home my credit utilization was 50 % on a XXXX XXXX credit card. I was advised to do a dispute for balance since card had been paid down to XXXX. Dispute was done through XXXX XXXX. On XX/XX/XXXX my credit score dropped 115 points. After calling XXXX XXXX they said to contact Transunion which I did. They notified me that XXXX XXXX never responded to dispute so they legally could remove the card. I called XXXX XXXX two more times even speaking to supervisor and they confirm responding to Transunion. 
Also Transunion said to just tell XXXX XXXX to report and we will add back. XXXX XXXX   did report on 21 and Transunion saying did not get it. 
I am at a loss as I need this added back to move forward with mortgage and Transunion is in no way helping. They are being reported to as other agencies are getting the info.
Product: Debt collection

I recently noticed an entry on my credit report from your company regarding an alleged debt with the following details : Balance : {$1600.00} Date Opened : XX/XX/year> Account Status : Open Original Creditor Name : No Info Provided Remarks : Collection Account I am writing to formally dispute this account as I do not recognize it and am unaware of any debt owed to your company. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting validation of this debt. Please provide the following : Proof of the debt ( including a copy of the original agreement or contract ). 
The name and contact information of the original creditor. 
A complete payment history to substantiate the amount being claimed. 
Evidence that you have the legal right to collect this debt. 
Additionally, I have identified a violation of the FCRA due to the reporting of unverifiable and inaccurate information to the credit bureaus. This has caused harm to my credit profile, and I am demanding {$3000.00} as compensation for this violation. If payment is not made promptly, I will consider pursuing legal action to recover damages, including statutory damages, court costs, and legal fees. 

Until proper validation is provided, I request that this account be marked as in dispute with all credit reporting agencies, as is required under the FCRA. 

Furthermore, please cease all communication with me except to provide the requested validation, to confirm the removal of this account from my credit report, or to address my demand for compensation. If you fail to provide validation, I will consider this debt invalid and request its immediate removal from all credit bureaus. 

I expect to receive a response from you within 30 days of receiving this letter
Product: Debt collection

On XX/XX/XXXX, I received a alert on my XXXX and XXXX credit file. They are seeking a collection payment in the amount of XXXX, XXXX and {$830.00} from XXXX XXXXI have not received any prior correspondence either via phone call or via mail from this agency concerning any type of debt to even validate or determine if it is indeed mine. I am unaware of any debt and absolutely have no contact with this company. This debt is not VALID. From This was placed on my credit report with no formal letter from XXXX XXXXI have been a victim of identity theft. This is against the law to list on my credit report without a formal letter. I have sent them a certified Validation of debt letter on XX/XX/2021 and have not gotten a respond.
Product: Money transfer, virtual currency, or money service

I PLAN ON FILING A REMMISSION CLAIMS ON WWW.MONEYGRAMREMISSION.COM ( WHAT IS TAKING SO LONG? I HAVE {$47.00}, XXXX IN REFUND TOTAL. I NEED MONEYGRAM TO DOUBLE CHECK ALL OUTBOUND WIRE TRANSFERS MAKE FROM XXXX IN MY NAMES AND SS # XXXX DOB XX/XX/XXXX.
Product: Debt collection

I have sent letters to this company to provide me With documentation showing that I have signed and agreed to this debit. I have proof of the letters and receipts where they have received the letters but have not replied.
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, I reached out to XXXX, XXXX, and Experian, asking them to investigate Account Name : XXXX XXXX XXXX XXXX, Account XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( XXXX, XXXX, and Experian ). These inaccuracies are highly injurious to my credit report and my credit score. In accordance with 15 USC 1681e : Compliance procedures subsection B " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Listed below are just a few of the inaccuracies. 

Highest Balance : Experian- {$5000.00} XXXX- {$3500.00} XXXX {$5000.00} Date of Last activity : Experian- XX/XX/XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Experian, XXXX, XXXX To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report XX/XX/XXXX ), I retrieved a copy of my credit report an inquiry that I have no knowledge of. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XXXX, XXXX. 
Because I did not apply for credit with I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE OFF ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623, IM DEMANDING THE REMOVAL OF THEM
Product: Vehicle loan or lease

My loan, statements and the companies website lay out how payments are processed to my loan. Ive been paying extra each month in order to pay my vehicle off early. ACA has told me on multiple occasions that they can't provide itemized statements to show how my money is being applied. I've asked on multiple occasions. I've asked to make a principal statement as well & again was told that they can't do that. When asked to speak to a supervisor I was told they were not in. I'm extremely frustrated. My truck is falling apart and I desperately need to pay it off in order to get a new one. I have to have a truck to work. I travel w/in XXXX hours every day for work. I've sent multiple over payments to go to the principal in order to pay the loan off quickly in order to purchase a new vehicle