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

In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( XXXX, XXXX  and TransUnion ) with the messages that our credit are frozen and not available as show at the bottom of this communication. Two notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the VRUs to assist - especially with XXXX. 
We have probably 12 different numbers that we have tried with the 3 bureaus Working on- PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Problem with fraud alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes XX/XX/2020 Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print? XXXX XXXX We have probably 12 different numbers that we have tried with the 3 bureaus. Working on line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( Transunion and XXXX   ). 
XXXX doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data. This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. Sincerely, Consumer Referral Information XXXX  XXXX XXXX XXXX | XXXX XXXX XXXX   XXXX XXXX, GA XXXX | XXXX | XXXX TRANSUNION | XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX | XXXX | HTTP :  //WWW.TRANSUNION.COM XXXX  XXXX | XXXX XXXX XXXX XXXX, TX XXXX | XXXX | XXXX Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that 3 companies were violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 and USC 1681 section 604 A section 2. I have the right to privacy. A consumer reporting agency can not furnish an account without my written instructions. I sent out a complaint the was received XX/XX/22. These accounts remain on my report, violating my rights.
Product: Credit card

In XX/XX/XXXX, a negative mark pop up on my credit for my best buy credit account. from a purchase back in XX/XX/XXXX and since no payments were made it came up as a negative mark on my credit report. I was not aware of this purchase. I looked for my card and realized the credit card was not in my possession. I quickly called the toll free number to report it. They took all my info they said they would investigate and send me a written correspondence. I received the letter stating that they recognized it was fraud, credited the account and the letter stated it will have my credit files updated. 

They were removed and eventually put back. I disputed it XXXX twice and both times they said the information was correct.
Product: Credit reporting or other personal consumer reports

While looking at my credit report, I realized that there are several unknown inquires on my report damaging my score. According to the 15 U.S.C 1681 law there should not be any damages on my report, this is a defamation of character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection company called CBA sent me to collection without the notice to dispute the validity of the debt. This is a medical bill from a XXXX that was supposed to be paid by XXXX. This was back in 2011, account # XXXX maybe they were sending the bills to my former address, I have been in a very difficult financial situation, I am on XXXX. I saw this collection in my credit record. My original amount was {$630.00}, I called them today to make a payment arrangement but a lady told me that I owe them {$870.00}, that is {$240.00} more than the original amount FOR A MEDICAL BILL, THE AMOUNT IT 'S GOING UP EVERY MONTHI do not know if this is legal because I have not seen that before. I suggest that this Bureau audits this collection agency without notice and find out if they are violating the law. I can make a payment for the original amount but they have to delete this collection from my credit record since I did not had the chance to dispute the debt, I was thinking that this procedure was paid by my Insurance, if I knew about this bill and my insurance did not wanted to pay, I could appeal at that time their decision and have them pay the bill
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, there are several inaccurate accounts and inquiries that I didnt authorize
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX** XXXX Owed : {$10000.00}
Product: Credit card

My XXXX yrs. old daughter without my permission used my Capital One credit card to purchase XXXX concert tickets valued at {$340.00}, later that day looking at my notifications on my phone I see the charges and called Capital one, they told me I needed to call the police and present charges to my daughter ( needless to say I developed a knot in my stomach ) the agent proceeded to contact the merchant and they did not helped even though I mention that I was within my 3 days to rescind, plus I did not authorize this transaction, I did therefore disputed the transaction today I received a letter from Capital one saying they are charging my account {$340.00} because the merchant showed my daughter made the purchase, mind you this concert is for XXXX/XXXX/15, which is in the futurePlease help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried multiple times to get the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX off of my credit report to no avail. Please remove it ASAP. Thank you.
Product: Credit reporting

I have made several attempts to get Transunion to change my Tax Lien.. They were sent a notice to vacate. Please help me on this as well as the XXXX Lien is pad. Thank you and I will attache. The paper work. Thank you, XXXX XXXX
Product: Debt collection

In 2019 I went to the hospital and was required testing. They collected my XXXX information but failed to bill the {$2600.00} to my insurance.
Product: Student loan

I have filed three complaints, and I understand the stance you are taking however you are refusing to answer direct questions pertaining to my experience as a client. Until those are answered and I am refunded my overpayment this remains unresolved.
Product: Debt collection

I recently reviewed my credit report on XXXX/XXXX/XXXX and saw a new entry for a collection account that was placed on my file in XXXX XXXX. It refers to XXXX and is in the amount of approximately {$3600.00}. We went to a seminar in XXXX held by XXXX in XXXX Tn. and were offered a package THAT COULD BE CANCELLED within 30 days. I contacted them within the 30 day window and cancelled my obligation. I spoke to them verbally and also sent a written request to cancel. The agent for them said she noted our file and acknowledged it was cancelled. Again, the service offered by them was never used in any manner and was cancelled properly. This was 8 years ago. Now, for some reason it has been re-surfaced and turned over to a collection service. I want this removed immediately from my credit report. The debt IS NOT VALID.
Product: Debt collection

PLEASE SUBMIT VERFICATION OF BALANCE REGARDING XXXX XXXX XXXX XXXX THIS DEBT WAS PAID BY ME VA MONEY ORDER AND SHOULD NOT HAVE BEEN FILED WITHIN THE BR COURT OR IF PAYMENT WAS MADE AFTER XX/XX/2018 IT SHOULD NOT SHOW A CLAIM BALANCE. 

IF DISCHARGED THERE SHULD NOT BE A CLAIM BALANCE, A CLAIM WAS SUBMITTED INTO MY BRC FOR XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Mortgage

Seterus mortgage XXXX has the XX/XX/XXXX 2015 mortgage payments shown as late and they have been reported to the credit bureas as such ... it is for loan # XXXX ... .numerous calls to them get NO response other than they say to contact the credit bureaus myself ... we have the confirmation # 's for the above mentioned months ...
Product: Money transfer, virtual currency, or money service

on XX/XX/year> My money was stolen from my Blockchain.com and XXXX XXXX  account in the amount of XXXX bitcoin or {$190000.00}. In what I believe to be an inside job. The money was sent in a transaction I did not authorize. the full amount all at once. have not got much response from the company and would like the account that received my stolen bitcoin frozen and investigated.
Product: Credit reporting or other personal consumer reports

Someone is interpreting to be me to apply for credit cards banks, etc., that I didnt have any attempt to make
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Good Afternoon I'm customer of Coinbase. 

Since 2023 XXXX I can't to access into my personal account. When I introduce the XXXX digits generated with the XXXX XXXX XXXX I can't to access to my account. 


I have been a customer for a long time and this has never happened to me. 

I have complained many times to Coinbase but unfortunately I still can't to access to my account. 

Thank You very much
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to bring to your attention the inaccurate and incomplete credit information that you have reported on my credit profile. I find it extremely disappointing that you have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, as required by credit reporting laws. The information listed below needs to be investigated immediately, and I demand to be provided with proof of the alleged items, specifically the contract, note, or other instrument bearing my signature. If you fail to provide this proof, then the items must be removed from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I find it extremely concerning that XXXX has already removed these accounts from their records, indicating that there was indeed an error present, yet you have failed to follow suit. I demand that you delete these items from my file as they are inaccurate, erroneous, incomplete, or unverifiable. It is unacceptable that you are not complying with the law, especially when the other credit bureaus have already done so. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XXXXE Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX5 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX does not truly look in to my disputes. I show proof of the incorrect information and they either ignore or deny the responsibility. I have called and finally after repeating my S.S multiple times and waiting for hours to a response of being sent to incorrect department just to finally be told they can not do anything about it. Here lately I received my dispute by the next day or XXXX only to told its verified and updated. Im reaching out to CFPB for help. Experian XXXX and XXXX is absolutely not for Consumers. The phone number they ( Experian ) list only offers you to change your freeze. If you ask to speak to a representative will only leave the option of a repeat computer response.Transunion expects you to pay for your own credit score? How is this legal? XXXX only allows XXXX dispute until they are completed with the other. These XXXX bureaus are running a sham and should be against the law for them to treat consumers this way. Reaching a representative at XXXX is just as bad. Each one of these bureaus has received my disputes over the last couple of years. XXXX XXXX XXXX also has ignored my disputed proof only to be told sorry for the mistake but only to see nothing has been done to correct. I have been denied loans because of these companies reporting incorrect information.
Product: Vehicle loan or lease

Well in advance of my schedule XXXX auto-payment to VW Credit, I changed the bank account information, as I was closing the account from which the payments had previous been processed. I confirmed on the website that the correct banking information was now entered, and all seemed well. Nevertheless, VW Credit still posted the charge to my old account, which had an insufficient balance and caused me to be overdrawn. I asked the bank XXXX XXXX XXXX XXXX to put a stop on the payment, which they did. I also attempted to call VW Credit that day, but " due to high call volume '' the automated system told me to call back at another time and ended the call ( they wouldn't even let me stay on hold ). I sent a message through the website explaining the situation and asking for resolution, with no response. 

Fast-forward to today, I receive a message that my account is being penalized for the returned payment and that VW intends to report the payment issue to the credit bureaus. I attempted to call again, and was again not even allowed to wait on hold, only that I could call back again later. And I sent another message, which I assume will not be returned. I don't want to wait to find out. 

In the process, they have disabled the auto-pay screen, which previously showed the correct ( updated ) bank information I had entered. Now that it is disabled I can not even show evidence that I had done what I claim. I'm sorry that I didn't take a screen shot earlier but it didn't occur to me at the time that I'd have to go through this kind of extraordinary process. 

Finally, I attempted to pay the now past-due amount, but the system will only allow me to pay both the past-due, and the current-due amount ( which isn't actually due until next month ) as well as the penalties which I refuse to pay. Essentially, because of their error, VW Credit is attempting to have me prepay a month 's lease and a penalty, and providing me no method to bring my account current while disputing these completely inappropriate penalties. And they're threatening to ruin my credit in the process. 

I'm hoping you can help.
Product: Debt collection

A women called me from this company threatened me regarding this collection and was very rude and nasty to me wouldn't give me any information on what was owed or why and told me if u didn't pay it the would seize my paychecks and go after my family for it if it wasn't paid. Medical should never be on a credit report nor should I be threatened to make a payment this is outrageous.
Product: Checking or savings account

This morning I was called by someone claiming to be from citibank 's fraud department. What they told me was that there was some unauthorized payments and transfers on my account and that I needed to give them my account information and work with them to get my money back into my account. However I didn't see the money taken out of my account but I went along with him anyway because I though that he saw something that I didn't on his end. I gave him my account information and he told me that he was going to do a manual reversal of a wire transfer. I went along with this and he said to give the money to the person I didn't know so it could be given back to my account. This first transaction was for the {$16000.00} ad that was the biggest out of my checking account around XXXX XXXX XXXX XXXXXX/XX/year>. Next there was a transaction he told me to do of {$2000.00} on XXXX right after when he was saying that it was originally {$5000.00}. And when I asked him about the amounts not adding up he lied to me and said that the wires were set for different times and days. I still don't know who to trust so if someone could help me that would be great. After I knew it was a scam I went to my bank to start an investigation on these 2 transactions. For all I know they are solving this now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps adding a chapter XXXX debtors court to my file and verifying this information came from XXXX XXXX which is n't true. This file has been taken on and off my credit report numerous times causing me duress.