23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

beginning in XX/XX/XXXX lvnv funding has called me 10 times a day and soon after falsely reported this debt as mine. They do not have my signature, my id or any other identifying documentation to prove this account is mine. LVNV funding is a factoring debt buyer company. 
I was a victim of the XXXX data breach and someone unknown opened a credit acct in my name. Account was fully maxxed out then abandoned in XXXX. I have repeatedly challenged the company and the credit reporting agencies to to provide proof thsi acct is mine and they cant but refuse to remove or stop harassing me with collection efforts.
Product: Money transfer, virtual currency, or money service

I submitted an transaction on Coinbase to transfer XXXX litecoin from my coinbase account to my hardware wallet address on XXXX XXXX. It 's now 6 days later and the transaction is still pending and the transaction hash is not on the blockchain. I 've made multiple attempts to contact coinbase support to get this fixed and they 've been unresponsive no matter the avenue I try to contact them through ( coinbase support email, XXXX support email, XXXX, XXXX etc ).
Product: Credit reporting or other personal consumer reports

Auto insurance company denied my policy because the records showed the two previous accident was me at fault. But the fact is that the liability lies on the other parties who hit me. 
The company has the wrong information is called LexisNexis. The dispute option leads me here to report the issue. 
Please help me to correct this issue, so I can have me car insured.
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. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : 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: Debt collection

N accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I XXXX contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I XXXX verify its validity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

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

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Equifax to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXXATE OPENED : XX/XX/XXXX BALANCE : {$780.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE XXXX : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED XXXX XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$43000.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. A couple of months I reviewed my credit profile and seen that my credit score for transunion is a XXXX. Yes a XXXX!!! Please help me figure out why its showing up a XXXX. Already contacted transunion. No HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

On behalf of all Veterans and Retirees of the Greater State of Florida. Be advised that Republic Finance and XXXX XXXX are sending letters containing sensitive information on premade checks that can be cashed out by other person or persons that such transactions were not intended to. In addition these companies are lending amounts on an Annual Percentage Rate of 35.87 % to 35.99 % respectively as it refers to the above mentioned companies. In addition a full disclosure of the letters contained there in should be made available in the XXXX XXXX and any other languages with the full legal disclosure in order to prevent confusion and abuse of these at-risk communities and their families.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts 1. XXXX - XXXX XXXX  2- XXXX 3- XXXX XXXX 4. XXXX  XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a 1099 cancellation of debt form also the IRS defines a charge off as a gross or ordinary income. Income can not be reported on a consumer report FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ). This is a defamation of my character and a violation of the law 15 USC 1681eb and because of that, these accounts are inaccurate and has to be removed.
Product: Mortgage

Nothing Happened Thats the problem. This is an extension of the other two complaint that are pending. On XX/XX/2020 I received a phone call from a XXXX At BK of Am Phone # XXXX XXXX, Calf. She told me that they received all my documents XX/XX/XXXX will call be back with in 24 hrs.After making 11 phone calls to her I am still waiting for a return call.Bk of Am solgan WE HERE TO HELP IS NOTHING MORE THAN A BIG LIE. They are only here to help themselves, The people you are suppose to speak to never call you back even before Covd-19. I feel at this time the government should fine the back, and because of there negligent should wave the interest I owe them
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THEY ARE REPORTING INACCURATELY ON MY CREDIT FILE AND I HAD NO KNOWLEDGE OF THOSE DEROGATORY ITEMS ON MY REPORT. PLEASE RE-INVESTIGATE THOSE NEGATIVE ACCOUNTS AND HAVE THEM PURGED OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and have provided these documents multiple times. There is ONE account that shows up in collections that should not be there ( for {$140.00} ). As a result, I was recently denied a mortgage with XXXX when I have 100 % payment history and have no delinquent/derogatory debt as advised in the letter. All of my accounts are paid as agreed. I dont know what the bank is looking at to make this decision since I dont see it and would not think a home loan would face denial for {$140.00}. 

This adverse action is affecting my quality of life!!! 

Additionally, Medical collections/debts should not be showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and  XXXX  credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The debt collect or furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  RECEIVABLES MANAGEMENT    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}
Product: Checking or savings account

Back in XX/XX/XXXX and XXXXXXXX XXXX an unauthorized user was withdrawing money from my checking account with a debit card that never got to my possession. Multiple transactions were done without my authorization. I got a call from BOA fraud department that I was a victim of fraud and asked me for codes to verify me while I didnt have access to my account. The representative told me they were sending me another debit card federal express to be received next day. When I checked next day I never received it and I called the bank. The bank told me they never called me for fraud. Immediately I filed for claims. They transfer XXXX dollars from my savings. They also withdraw XXXX from my checking. They did multiple transactions from my checking account {$63.00}, {$400.00} and 5 transactions of {$900.00} which none of these have been refunded. They closed the claim and I reopened it. They refunded me in different claims XXXX and XXXX dollars. I am still waiting for one more claim. I need help. Thank you
Product: Consumer Loan

Company is using unfair collection practices to obtain payment for a debt. 
Company calls multiple times a day and will not leave a voicemail. Any attempt to leave a voicemail is generally dead air. 
I informed company on two occasions, verbally XXXX XXXX, 2016, and via e-mail on XXXX XXXX, 2016, to only call MY PHONE ( therefore, removing my wife 's number and all other numbers associated with the loan with the exception of my cell phone ), provided the phone number and told them to leave a message. I would need to receive a voicemail in order to return a phone call. 
As of today, my wife continues to receive phone calls with no voicemails to either her phone or my phone.
Product: Credit reporting or other personal consumer reports

Hello, please see the below regarding XXXX. I am now dealing with a situation where my credit report scoring has now dropped XXXX points because XXXX has still not updated XX/XX/XXXX credit reporting for my auto loan with XXXX. ( XXXX sent me a copy of the letter they submitted to all three credit bureaus to update my account as current for XXXX and XXXX of XXXX. ) However, now when I log into my XXXX account, all of my payment history since the beginning of my loan with XXXX is now gone. This issue has been ongoing since late last year. I called XXXX last month on XX/XX/XXXX I believe. Here is the customer service information for the call. 
Confirmation number from XXXX XXXX Representative : XXXX XXXX hours dispute completion I never received a resolution to this dispute. Please assist as they have completely messed up my entire credit reporting regarding XXXX. 

The other two credit bureaus, XXXX and TransUnion have not correctly updated my payment history regarding my auto loan with XXXX either. I have submitted disputes with all three credit bureaus and none of them have correctly updated my payment history. 

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

2 Certified lettershave been sent to XXXX # XXXX and EXPERIAN # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XX/XX/2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE
Product: Credit card

I went to use my card. And it was declined. I checked the website which states Im below my limit and should have {$170.00} available to use. But then it said Im over my limit by {$18.00}. 
When I called, the CSR could not send me any information on my pending transactions, but could read them off to me. And said the website is down. There has been no notice that the website was not functioning. The CSR said the website would be working next week. 
Please check into this because the whole thing is sketchy.
Product: Credit reporting, credit repair services, or other personal consumer reports

bank cancel my payments to my credit card without a notiffication wich cause a hit on my credit score
Product: Credit card

My son received a call that appeared on his phone as USAA Fraud. Somehow, the scammers were able to spoof the real USAA number, making it seem completely legitimate. They deposited fraudulent direct deposit checks into his account and then pressured him into returning the funds, claiming they were mistakenly added and needed to be sent back. Believing he was dealing with USAA, my son complied.

Shortly after, he noticed continued withdrawals and immediately called USAA. Unfortunately, not only was all of his hard-earned summer job money stolen, but because his account was linked to my USAA American Express for overdraft protection, an additional {$9500.00} was withdrawn in overdraft fees.

USAA was able to recover some funds but ultimately denied our fraud claim, stating that my son authorized the transactions because he followed the fraudsters ' instructions. Despite my longstanding XXXX relationship with USAA, XXXX refuse to remove the {$9500.00} overdraft charge, citing that their decision is final. 

According the the USAA website, " Unauthorized use '' means the use of a credit or debit card by someone other than you who does not have actual, implied, or apparent authority for such use, and from which you do not receive a direct or indirect benefit. I did not authorize the use of my credit card. Additionally, the total overdraft charges appeared on my credit card XXXX days after the fraud was reported to USAA. Therefore, USAA should honor their own XXXX Liability Fraud Policy as well as the Electronic Fund Transfer Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account is well over the reporting period, Account was closed back in XXXX But still reporting on credit profile with last payment showing XXXX. 

Please see screenshot for reference. 
Original amount XXXX XXXX amount : XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX IS IN VIOLATION OF MY CONSUMER RIGHTS THEY ARE REPORTING 3 LATE PAYMENTS IN MY CREDIT REPORT WICH ARE INCORRECT BECAUSE THE NEVER SENT ME A LETTER 21 DAYS BEFORE THE REPRTED THE LATE PAYMENT TO MY CREDIT REPORT THEY NEVER SEND ME THAT LETTER AND THEY ARE REFUSING TO CORRECT THE PAYMENTS AS CURRENT.
Product: Mortgage

XXXX XXXX XXXX attempted to pay a XXXX city tax in XX/XX/2021 in error for {$630.00}. XXXX XXXX XXXX admitted to the error and stopped payment and recaptured the funds. In XXXX when the funds were recaptured the money was then taken out of the account again. At his point, the {$630.00} is still missing and seemingly stolen. I have contacted the company again today, but this has gone for months. They have raised my mortgage to compensate for the shortage in my escrow and I am out of patience.
Product: Checking or savings account

Wife received a fraud alert text. She responded to the text that it was fraud and received a response showing the card was closed and a replacement was being ordered. Following day, 3 new charges appeared on the card that was supposed to have been closed. Contacted the bank to ask about the charges. The agent tells us that the card was never actually closed and she closed it for us. Call is elevated to a supervisor. Supervisor then verifies that the card was supposed to close the previous day, but wasn't. Supervisor then proceeds to inform us that after the payments process, even if it is shown that these charges came in after the card was supposed to be closed, we have to wait up to 10 business days for the disputed amount to be returned. They made the mistake that caused this, why do I have to deal with the consequences?
Product: Credit reporting or other personal consumer reports

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed
Product: Credit reporting or other personal consumer reports

Open checking my credit reports in XX/XX/year> I found XXXX XXXX  and several other fraudulent accounts are being unfairly reported on my credit report. I never gave this account any permission to run my credit or use my credit. I demand that they discontinue furnishing this information as it is violating my credit laws accord to the Truth and lender act and FCRA.
Product: Money transfer, virtual currency, or money service

Deposit of stimulus check from XXXX XXXX XXXX block on Thursday XX/XX/21 before 8 pm place hold on check until XX/XX/21 access to no money for that amount of time chase bank deposit into there atm machine verified check of XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report, I noticed errors with my personal information. 
Listed below are the problems with my personal data. 
Reason : Inaccurate information I am writing to update/correct my personal information on file with your company.
Product: Credit card or prepaid card

There was a credit card account from a company called RoomsToGo opend with my information that I didnt approve. I reported it to the 3 bureau and froze my account. Days later the card was maxed out with no approval and the investigation is still pending.
Product: Credit card

I am submitting a formal complaint regarding my CareCredit account and request that interest be removed from my account and only be charged from the balance when the promotion ended. The original loan was for {$8100.00} and I had paid it down to {$3200.00}. Going back to the original balance is unfair and deceptive practice. CareCredit is performing like a predatory lending company and not like a bank charging interest rate at 26.99 % to low income consumers. When I called Synchrony Bank to complain and to request a copy of my signed terms and conditions they referred me to the dentist office. I called the dentist office and they said they do not have copies of the agreement. I then again called Synchrony Bank to request a copy and I still have not received a copy of my signed agreement and I asked to speak to a manager and no one has returned my request for a call back. 

Synchrony Bank should have the promotion ending on the home page on their web site when you sign into your account. Payments are also made from the home page never requiring you to open your statement. I was paying over the minimum balance and thought I was paying it off early due to the minimum balance kept going down. The emails stating my statement is ready should have the promotion ending as well. In addition, the provider never said that I would need to make {$450.00} payments in order to pay the credit card off to avoid the interest charge. The provider that offered the product was not informative regarding interest rate, payments and that the interest would be charged from the original loan amount.