23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was sent an email back in  XXXX  that I would receive 10 % cash back from  XXXX  to  XXXX   XXXX  in the form of a statement credit for purchases made on  XXXX . I still have the email saying I was enrolled in this offer. I spent thousands on  XXXX  for  XXXX , because of this offer. I then followed up via chat on  XXXX / XXXX /  XXXX   and was told that I would receive the credit in 90 days  (  on my  XXXX  statement ). I was fine with this and let it go. It 's now  XXXX  and  XXXX  passed with no statement credit as promised. ( I took screenshots of my chat as well  ). I  get on the chat today and was told that it was " investigated by the marketing department '' and that no such offer was on my account. This is now th e THIRD time I  've enrolled in these offers on my page that have not been credited as promised. I am now extremely fed up wit h American Express  and once my credit card is paid off I will be canceling it and I will never do business with your company again. This is extremely unethical and I 've now found numerous forums with people having the same issues as I am. Do n't offer " offers '' at all if you ca n't honor them!
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But XXXX  and Transunion will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report. I have not applied for any credit and Trans union refuses to remove the inquires.
Product: Money transfer, virtual currency, or money service

On the XXXX XX/XX/2021 I transferred XXXX from my XXXX bank account to my Coinbase account to buy Bitcoin with. I was able to buy bitcoin to the sum of XXXX and it was stored in my Coinbase Account. I then tried to send the Bitcoin to my Coinbase Wallet app on my phone and it asked me to re-upload copies of my ID, which I did, twice. Coinbase said I will be unable to do anything with my account until this process has completed. Coinbase said the process will take " a few minutes '' however I am still waiting for reverification of my ID. So essentially I am still locked out of my account over two weeks later. 

I have emailed coinbase multiple times regarding this and so far no one can tell me why this happened or how long I will have to wait to get access to my account reinstated. They replied back with a generic reply stating it would take 5-7 days and I needed to re-upload my ID, again. Which I did. I have now re-uploaded my drivers license and passport 4 times each. 

I have submitted my ID numerous times. I have 2 factor identification enabled on my phone, the same phone I have used since opening my account. I have only ever used the same XXXX bank account to directly transfer funds into my account. I even have a personal email domain, which again I have always used with coinbase.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$280000.00} XXXX  XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$3800.00}
Product: Debt collection

LVNV Funding at XXXX RESURGENT CAPITAL SERVICES PO BOX XXXX XXXX, SCXXXX ( XXXX ) XXXX. 

Two Accounts : XXXX {$1400.00}, XXXX {$860.00}. 

I've never done business with these people, and I've never received anything to verify it was actually me that opened these accounts. 
Ive never authorized opening these accounts. 
Ive asked multiple times for a copy of any contract with my signature. This company does not have a contract with my signature.
Product: Mortgage

I was scheduled to receive my closing disclosure on XX/XX/XXXX in order to support closing of my loan on XX/XX/XXXX for the purchase of a home. Subsequently I did not receive my closing disclosure until XX/XX/XXXX which I received and signed. At this point, the lender stated I could not close until XX/XX/XXXX. The lender stated this was a federal requirement. This required me to concessions from the seller of the property to extend the closing date to the XX/XX/XXXX, which I was able to accomplish. Then on XX/XX/XXXX, I was informed by the lender Pennymac that in order to close my loan I would need to increase my downpayment by 5 % or increase my interest rate to 7.25 % from 6.95 % in order to complete the transaction.
Product: Credit reporting or other personal consumer reports

Im confused about why TransUnion has accounts listed on my report that dont belong to me. I rarely use credit, so its concerning to see this. It feels like a violation, especially since I wasnt notified about these accounts. This situation is very upsetting, particularly as Im looking to buy a new house. I was informed about negative items on my report, and theyre hindering my ability to move forward.

I urge you to investigate this matter and remove the fraudulent accounts from my report as soon as possible. Im eager to purchase a home soon, and this issue is creating significant obstacles. If necessary, I will seek monetary relief due to the tampering of my name. I already have legal counsel ready to file a petition in civil court if this issue isnt resolved promptly. Thank you for your attention to this urgent matter.
Product: Debt collection

Contacted Phoenix Financial via telephone stating that the account XXXX XXXX XXXX for the amount in {$1100.00} does not belong to me. It belongs to my mother in law who shares the same name. I have spoken to the original collector XXXX XXXX XXXX XXXX and they verified that the debt does not belong to me that the social does not match the account sent to Phoenix Financial. Phoenix Financial has been no help they simply told me to file a police report. Phoenix Financial is now claiming that they are the original collectors when they are not. This account is being report to the credit bureaus and is negatively affecting my credit.
Product: Checking or savings account

I attempted to open a Chime checking account on XX/XX/XXXX. 

The application process asked me to scan my ID which I couldn't do at the time because I couldn't find it. I decided to go back to the application when I found it and left the website open. 

When I returned, it told me to restart my application because it timed out. I put in the same information and it declined my application immediately. I recognized this as the system thinking I'm trying to open a fraudulent account because my action of submitting a second application is suspicious. 

I contacted support immediately via email and they requested me to send a picture of my SOCIAL SECURITY CARD over email. 

I sent them a picture of me holding my ID, the front and back of my ID, as well as my social security card, despite my fears of identity theft in the event of a compromised system on their end. 

5 days later, they email me that they can not offer me an account which makes no sense. I am a college student, already have 2 credit cards in good standing and simply want a checking account that works for my needs. I don't want a brick and mortar bank. 

I seem to have fallen between the cracks in the Chime support system. I just want a checking account. It isn't that hard.
Product: Mortgage

My property address is XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX I am a XXXX XXXX with XXXX and fully financed a condo. I had a first and second mortgage ..The first was recorded in error before the second by the title company but, they were with XXXX XXXX # XXXX and Citigroup XXXX . I was told when I entered the HAMP program that the second mortgage with citi did n't need to be included. I now have a personal judgement against me by citi for the full amount plus interest on a still upside down loan where that property wo n't be paid off until 2044. I am trying to deal with Citigroup but, they told me this account was archived. I 'm not sure where I stand on this or what my rights are regarding this situation. Any assistance would be greatly appreciated.
Product: Student loan

I attended this school unaware of accreditation and was making payments and found out the school had lost accreditation in 2002
Product: Credit reporting or other personal consumer reports

I received a loan for a XXXX XXXX XXXX from Credit Acceptance . Shortly after it the police had it towed to XXXX XXXX. Unfortunately XXXXXXXX XXXX sold the vehicle. And Credit Acceptance is still reporting it on my credit report. It has been 6 years and from my understanding of the Michigan Law it should no longer be showing up on my credit any more. This situation is hindering me from moving forward. Ive called to get this resolved so now Im filing a complaint with Credit Acceptance and Consumers Financial Protection Bureau as well. 

600.5807 Damages for breach of contract ; specific performance ; period of limitations ; bond ; deed ; mortgage ; surety bond ; appeal bond ; public obligations ; other actions.

Sec. 5807. 

( 1 ) A person may not bring or maintain an action to recover damages or money due for breach of contract or to enforce the specific performance of a contract unless, after the claim first accrued to the person or to someone through whom the person claims, the person commences the action within the applicable period prescribed by this section. 
( 2 ) The period of limitations on an action charging a surety on a bond of a personal representative or guardian is 4 years after the discharge of the personal representative or guardian. 
( 3 ) Except as otherwise provided in this section or another statute of this state, the period of limitations is 10 years for an action founded on a bond of a public officer. 
( 4 ) The period of limitations on an action founded on a bond executed under sections 80 and 81 of 1846 RS 16, MCL 41.80 and 41.81, is 2 years after the expiration of the year for which the constable was elected.

( 5 ) The period of limitations is 10 years for an action founded on a covenant in a deed or mortgage of real estate. 
( 6 ) Except as otherwise provided in another statute of this state, the period of limitations is 2 years for an action charging a surety for costs.

( 7 ) The period of limitations is 2 years for an action brought on a bond or recognizance given on appeal from a court in this state.

( 8 ) The period of limitations is 10 years for an action on a bond, note, or other like instrument that is the direct or indirect obligation of, or was issued by although not the obligation of, this state or a county, city, village , township, school district, special assessment district, or other public or quasi-public corporation in this state.

( 9 ) The period of limitations is 6 years for an action to recover damages or money due for breach of contract that is not described in subsections ( 2 ) to ( 8 ).

History : XXXX, Act 236, Eff. XXXX XXXX XXXX XXXX -- Am. XXXX Act 15, Eff. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, On my XX/XX/2022 Experian credit report I noticed there are XXXX unauthorized credit inquiries on my credit report - including XXXX twice, XXXX XXXX XXXX twice, XXXX XXXX XXXX times, and others. 

Attached to this complaint is : - my drivers license - my mailing address - my social security number- my complaint letter - XXXX screen shots of where they are located I would like these XXXX unauthorized credit inquiries removed asap as its damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of violation of my consumer rights and did not get notified. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new letter that I am a victim of inaccurate reporting and I write to dispute the remaining items in my file resulting from the misleading information in my credit report. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an inaccurate reporting. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Amsher Collection Services is reporting a collection account to both XXXX and XXXX that is factually and legally inaccurate. The account was allegedly opened on XX/XX/year>, yet is reported as a collection account by XX/XX/year>, just two months later, with no payment history or validation ever provided. The reporting timeline is impossible and violates multiple consumer protection laws : FCRA 623 ( a ) ( 5 ) inaccurate status/date reporting FCRA 604 ( b ) no permissible purpose to furnish or report this data FDCPA 809 ( b ) no legal debt validation was provided FCRA 605B I am invoking my right to block this unauthorized account Metro 2 Compliance illegal sequence and status reporting This account is damaging my credit on both XXXX and XXXX, and I have never received legal validation. I have sent Amsher a cease and desist/block notice demanding permanent deletion and a 15-day deadline to comply. I also demand they do not report this account to XXXX or any other credit bureau now or in the future.
Product: Debt collection

This company has admitted that it does not believe that the XXXX XXXX XXXX debt is mine and this it is fraudulent, but still keeps reporting it to XXXX which is affecting my overall credit score. The debt is from XXXX and was obtained across the country from where I live. I live in XXXX Alabama on the XXXX XXXX and have for almost 30 years, the debt was from somewhere in Michigan, an area of which I have never even traveled to. I want this harassment to cease and to have the company stop reporting in the collection on my credit report. 

This is the company attempting to collect the debt from me : CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Dear Exeter, I am writing to inform you about a concerning matter regarding the loan associated with a 2018 cla XXXX. After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. 

I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. 

As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. 

Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2016 XXXX has transfer my modification loan # XXXX to XXXX XXXX XXXX. Since then XXXX XXXX is servicing my mortgage, new number is XXXX, but it is the same modification loan. 
XXXX XXXX does not send any information to me regarding incentive payments. XXXX used to send me such information every month with my statement.
Product: Debt collection

I received a debt collection statement from " Radious Global Solutions LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX '' dated XX/XX/2021. 
They are stating in the statement that they intend to collect on behalf of Creditor " XXXX '' for an amount of {$420.00} I never have requested or opened a credit account from this company, XXXX, and it is a case of fraud. For this reason I have not paid any amount to Radius global solutions and am reporting this to your attention. 

I also sent a written notice today to Radius Global Solutions that I intend to dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FIN XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 was found in my reports with XXXX, Equifax and XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Checking or savings account

I am a victim of identity theft. I did not know that someone stole my identity and opened a debit card and use it with Citibank. I always ask them to close my account because it was opened without my knowledge. I also sent a police report and asked them to remove any charges on the unauthorized account. The Citibank already closed my account but they still ask me the money for overdrawn of {$82.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX different XXXX ( personal loan ) accounts on my Experian report. All of these are delinquent. NONE of them are mine. I have called XXXX & they have confirmed that my social security #, email, phone number are NOT associated with any account. Yet, they are still showing as delinquent on my Experian account. Neither XXXX or XXXX show these things.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 My XXXX account was hacked into and multiple persons tried to open credit under my account. A police report was filed and I voluntarily closed all credit cards except XXXX XXXX which Ive had for over 30 years. 
I voluntarily put 7 year freeze on my credit activity with Experian XXXX and XXXX.. 
This month I applied to an XXXX XXXX XXXX which offered financing on extensive dental work I now need. I was denied as the representative stated they contact Experian who said I had a consumer statement on my report and they could not approve a {$4000.00} loan. 
I have tried repeatedly on line. Via registered mail. And phone and can not seem to rectify this situation. 
Can you assist?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, have 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 an 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.