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

Experian is depicting XXXX/XXXX XXXX, account number XXXX on their bureau report.On XX/XX/2019 I sent in a dispute by mail.The account was not investigated or put under dispute.Therfor I submit the following : This account was established giving credit to purchase merchandise, a ring. 
The original amount was over $ 3000.After paying about a {$1000.00} in payments I found out the real value of the merchandise ... .not due to devaluation of gold or diamonds the ring is not worth {$300.00} due to poor quality.I quit making payments or trying to sell the merchandise.I found out about CALIFORNIA IMPLIED WARRANTY LAWS WHICH WERE VIOLATED AND SELDOM DEFEATED IN COURT AND NOT DEFEATABLE BY DISCLAIMER.THE VALUE OF THE RING AND AMOUNT FINANCED WERE DRAMATICALLY LESS THAN THE VALUE STATED AT PURCHASE ... ..DELETE FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine
Product: Debt collection

I havent had XXXX in many years - A little over 4 years now. Where I live, XXXX isnt around, only service electric is. When I had comcast back then, everything was paid up to date!
Product: Debt collection

I cancelled my monthly home security service monitoring in XX/XX/2017. The monthly bill was auto pay for {$59.00}. 
After cancellation, I kept getting bills from XXXX XXXX XXXX. I called them, explained that the service had been cancelled. The representative apologized for the issue and told me she researched the problem and was going to credit the bill and that I would not have any additional issues. 

I am still getting debt collection notices for the cancelled service, even after XXXX XXXX XXXX assured me the error was corrected. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting an inaccurate charge off account on my credit reports that I have been disputing for some time. I have contacted both XXXX XXXX and each credit bureau concerning this account and have not received any valid sufficient proof that supports this debt from either XXXX XXXX or the credit bureaus. XXXX did delete the account from my report because they could not verify this account as accurate but XXXX and Transunion refuses to do so. Not only have they not provided any documentation but they are reporting multiple inconsistencies on my reports. Transunion is reporting the account as paid, the last report date is XX/XX/XXXX, the last active date is XX/XX/XXXX and the last payment date as XX/XX/XXXX. XXXX is reporting that this account is derogatory, the last payment date as XX/XX/XXXX, the last active date as XX/XX/XXXX and the last reported date as XX/XX/XXXX. If the credit bureaus get all of their information from the same place how is it that they are reporting drastically different things. It is illegal to report inaccuracies on a consumers reports and not only is XXXX XXXX in violation of the consumer credit laws but so are the credit bureaus for verifying this inaccurate account.
Product: Credit card or prepaid card

Received unsolicited XXXX with activation instructions at residence on XX/XX/18. Appears to be a legitimate card. Have not applied for any additional cards from any banks in over 1 year.
Product: Debt collection

FBCS has placed a collection item on my XXXX credit report and done so without contacting me before-hand.I Just realized about the collection after getting an an alert on my credit bureau. 

I have no idea of the debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax, XXXX, and XXXX XXXX. The 3 credit bureaus XXXX Equifax and XXXX have failed to comply to a dispute and investigation in a timely manner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to XXXX XXXX. 

Account Name : XXXX Acct # XXXX
Product: Student loan

I'm part of the PSLF program and reached my 120 payment total and submitted the final employer certification in XXXX XXXX XXXX. Right around this time, my loans were moved to MOHELA. A year later, my loans still have not been discharged and MOHELA can't tell me why or where in the process my application is. They have stated to me that in order to discharge my loans, Federal Student Aid needs to let them know what my final payment count is, which happens after an automated communication from MOHELA is sent when I reach 120 payments ( MOHELA also states that there is no record of this automatic communication, so they can't look up if it has happened or not ). After contacting FSA twice, I have been told both times that this is not true and that MOHELA is responsible for the entire discharge process, and that FSA is just notified when it is completed. While digging into my fifth phone call with MOHELA during the year, I was told by one of their supervisors that FSA is not being honest with me because they don't want me to call them, and that it has been so long with my loan because the Department of Education has a computer glitch to figure out ( the representative said that they've seen this before ). 

XXXX XXXX XXXX it's been a year since my loans should have been discharged for PSLF, and both MOHELA and Federal Student Aid are pointing the finger at each other and neither company can give me any answers.
Product: Mortgage

In XX/XX/XXXX I called CITI mortgage account number XXXX to pay an extra month in hopes of paying on the interest for the month. My normal payment was set for XX/XX/XXXX and this is set for Auto-pay. ( Note my account has been on Auto Pay for the entire year ) XX/XX/XXXX CITI attempted to deduct the normal amount/extra payment I set up, and in unbeknownst to me the payment did not process. At that point in time CITI without my knowledge suspended all Auto pay features and without my approval. Two months passed and I was under the impression the bill was getting paid as usual. However, since CITI stopped my auto pay, I am now two months behind on my mortgage and they reported the late payment to the credit Bureau which will no adversely effect my credit rating. Additionally, the sold my loan to a third party servicing company without my knowledge and approval on XX/XX/XXXX. I called CITI to have them correct the reporting, but they told me they were not able to assist.

A fair resolution would be to have the late payments removed from my account and history as well as advise a consumer that when they attempt to make and extra payment outside of auto pay, that the auto payment feature will be cancelled without cause. Lastly, as a consumer they should not be able to sell my loan without notifying me or approval. I 'm currently working overseas in support of the XXXX
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

XXXX XX/XX/XXXX CAPITALONE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I disputed them and they remain on my credit report!
Product: Credit reporting or other personal consumer reports

Equifax continues to report inaccurate information on my credit report, under the FCRA my rights are being violated. I am not liable for this debt with XXXX  LA. I do not have a contract or any relationship with XXXX  LA. They did not provide me with the original contract as I requested. 
EQUIFAX Continues to report Hard Inquires on my credit report show below all inquires, I do not have any relationship or open accounts with these hard inquires effecting my profile : XX/XX/year>XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/year> XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Applied for the XXXX XXXX XXXX in XX/XX/2022 and this card has given me the worst service a human being can be offered. From them getting my bank account number wrong to having a complicated way of submitting payments. I have to call every month to make a payment when every other credit card has a smooth way for me to submit payments via a website. I also found out they froze and closed my account just because they wanted to. I have had 10+ years of perfect and on time payments on my credit history. I personally believe this card scammed me to open with them and once I met the requirement to use my cashback option at XXXX in order to buy gold thats when my account was frozen. I own credit cards from multiple lenders and this is by far the worst card I have ever had. To speak to a supervisor took over an hour long and if you ask for a supervisor to call you they do not call you back. I hate this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me, also a couple inquiries. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 


-XXXX-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX -XXXX-XXXX XXXX-XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX-XX/XX/XXXX
Product: Prepaid card

I bought a XXXX dollar amex gift card to buy online goods with, I activated the card, money was shown in the balance and was ready to use, so I thought. I tried to go to trusted online stores to use the card, but everytime it would give me the message that the card failed to accept the request. I've been on calls hours with customer support to find a solution, but no one seems to help. With XXXX time being hung up at my face without even providing any support or solution. What is the purpose of buying a gift card if I can't even use it. Truly unacceptable and I can't even use the money that I worked for!
Product: Credit card or prepaid card

I have XXXX cards with Capital One. My ex-fiance, who was an authorized user, wanted to pay my card balance on XXXX of the cards. The payments were returned because of the type of account. So I paid the balances myself. Because the XXXX payments were returned, Capital One wants proof that the account used to pay the XXXX payments is in his name, they requested a copy of his bank statement as proof, even though I immediately paid the XXXX cards off myself when I was informed of the payment returns. Because my ex-partner wouldn't give me the information I cut all ties with him. I have informed then many times I am unable to get the info requested and explained the circumstances, but they not only restricted use of those XXXX cards involved, but also my other XXXX cards with them. They say they can not do anything further without the information every time I talk to them, even though I keep explaining why I can not provide it. I have also asked them several times to remove him from the account but they have not/will not. Additionally, when I paid the card balances, it created a credit of {$47.00}. This credit sat on the account since XXXX. On XX/XX/XXXX they show a 'credit refund ', but they have not refunded to me, nor will they tell me where the refund is. They just insist as the accounts are in 'investigation ' so they are unable to take any action. My bank account was fraudulently used on the same day my last payments were due on XXXX of the cards. So I tried to change the payment source but it was too late as they were already in process. So I went to the bank and restricted the account so the only thing that would go out of my account were those XXXX payments. Unfortuately, the bank did not honor the arrangement to cover these and they were returned. I immediately made replacement payments as I knew they would be returned from what I saw on my banking. I was charged on each of the XXXX accounts a {$25.00} returned payment fee, and a {$25.00} late payment fee. I called Cap One to explain and was told that this also was something they would not assist with due to the situation ( their insistence of document I CAN NOT get ) .I will try to upload the statements showing the credit amount account info.
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes when I noticed inaccurate accounts on my credit report this morning, with no clue as to why theyre there. I check my credit report regularly, but this time, I was floored by the discrepancies that suddenly showed up. I even refreshed my browser, hoping it was just a tech issue, but the inaccuracies didnt go away.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

My XXXX  score has dropped. 

XXXX won't allow me to access my score online because my URL is in XXXX. Equally, XXXX won't only mail my score to a US address, I live in the US. XXXX refused to XXXX was the same in terms of not allowing me to access my account online. 

XXXX was helpful and was able to tell me that my credit report was negatively affected ( points dropped ) because my mortgage at XXXX was brought by Rocket Mortgage, however, I don't think its fair seeing as this change was not my choice and was dictated by the mortgage companies. 

I am now at a massive disadvantage as I try to purchase a new home and my credit score has dropped by XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Too much inquieres that make my credit score be low Please I need to dispute all the I quiere stray is like XXXX inquieres.
Product: Credit reporting or other personal consumer reports

Hey I am trying to dispute this off my credit report. I do not know how this got on my credit I have reach out to the company and they said they can not do anything. I am a Jr so anything that's on my credit should say XXXX XXXX XXXX XXXX can we please have these accolade off my credit. 

XXXX XXXX : Date XXXX Total : {$17000.00} XXXX XXXX : Date : XX/XX/XXXX Total : {$240.00} XXXX XXXX : Date : XX/XX/XXXX Total : {$1400.00} Credit Collection Servic : Date : XX/XX/XXXX Total : {$100.00}
Product: Credit card

Wells Fargo closed my credit card with out notification. They stated that they closed the card because it was not used for 6 months. This action taken by Wells Fargo has had a negative impact to my credit rating.
Product: Money transfer, virtual currency, or money service

Coinbase Case # XXXX On XX/XX/XXXX at XXXX I received a " Notice of account closure '' through email at my address XXXX. 

I was manually logged out of my Coinbase Pro account where my funds were being held. I was no longer able to log in and access my funds. 

I called CB customer service and opened a case. I received a follow up email stating that I could no longer buy, sell or withdrawal to my bank account. But I could move my currencies off the exchange to a external wallet. 

Although I was no longer able to log into the apps. I was able to log into the Coinbase web page where my bitcoin and ethereum coins were showing. But my GALA  tokens were not showing. 

They moved my Bitcoin and Ethereum off my pro wallet back to standard Coinbase but did not move my GALA  tokens worth $ XXXX. 

I replied to the email starting the above situation and was responded with generic computer message stating I was able to move my funds off Coinbase but they didn't respond to the fact I told them they didn't move the GALA  tokens. 

I called again and spoke to a customer service representative and expressed this situation again and told them they need to move the GALA  tokens to the Coinbase webpage so I could move them off the exchange and close the account. 

After multiple waits I was told they were not able to move my GALA. They escalated it to email where I'm sure to have the same run around as I've had the last 5 days.
Product: Bank account or service

When I opened my checking account with Bank of America XXXX years ago, I deliberately declined to opt in for overdraft protection. My hulu payment through XXXX accidentally overdrew my account XXXX days before my direct deposit. It was my understanding that this should have been declined since I opted out of overdraft protection. A BAC customer service representative told me in writing that opting out of overdraft protection had no effect whatsoever on my account and I was penalized {$35.00} for the overdraft.
Product: Credit reporting or other personal consumer reports

XXXX, and Experian continue to report inaccurate information on my consumer report. 

The account listed below has several inconsistencies. This means the account has not been properly validated and therefore can not be verified as accurate. 

XXXX XXXX XXXX Account # XXXX Last Verified : XX/XX/2023 -- Date of Last Activity : XX/XX/2023 XX/XX/2023 Closed Date : XX/XX/2023 -- Account Rating : Closed Paid 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
(

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have sent several written letters and emails to troubled Ocwen Loan Servicing requesting that the pretender lender loan servicer open up its pretender lender loan servicers phony XXXX file and provide me with the XXXX XXXX XXXX loan docs, ( e.g. loan app., Hud-1 TIL statement etc., and the appraisal. As of today the pretender lender loan servicer refuses to provide me with all those documents that I am entitled to. The only way to get a response from the troubled pretender lender loan servicer is to file a consumer complaint which forces its counsel to respond to my complaint with typical lawyer spins.
Product: Debt collection

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. 

The Federal Trade Commission ( FTC ) makes it crystal clear that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), your obligation is to comply with the law. 

XXXX XXXX XXXX XXXX This is your final opportunity to process my identity theft request properly, or I WILL TAKE LEGAL ACTION IN A COURTROOM where you will BE HELD ACCOUNTABLE for the damage caused to my reputation, credit, and the emotional turmoil I've endured due to this matter. Rest assured, the negligence regarding MATERIAL facts will become GLARINGLY EVIDENT, and you will be compensating me for your recklessness. 

Ensure this matter is resolved within the XXXX timeframe stipulated by the law.