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

I recently reviewed my credit report and noticed I have two late payments posted to my account ( XXXX XXXX XXXX XXXX Account # XXXX ) that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( month/year ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late.Thank you! Please do not disregard the screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. PaypalXXXX ( XXXX XXXX ) - PayPal will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. XXXXr XXXX XXXX XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through credit karma, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX. XXXX ) - I had a secured card from XXXX XXXX therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was fraudulently opened through XXXX for a credit card in my name. This was on XX/XX/2021. XXXX XXXX, who runs the XXXX credit card was immediately contacted and notified of the error and the account was closed immediately. Both creditors transunion, and XXXX were contacted, and XXXX removed the inquiry and the account from my report immediately. Transunions hard inquiry remained on my report and after contacting them several days later I was told only the bank could file the report for removal. I called the bank again the next day who said they already put in a request. Called transunion again the next day and they said no request was received, so I called XXXX  again who said they would submit a second request. I waited a month and the inquiry had not been removed, and transunion told me again they had received nothing, contacted XXXX and they told me they had already submitted two reports and that they could do nothing further. Its now about a year later and the inquiry remains with no correspondence from transunion or XXXX. The account does not appear on transunion, just the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I'm notified that I'm entitled to my credit file, and once again ALL THREE bureaus found an arbitrary means of denying my request : XXXX : Sorry, you have an open dispute, so we can't provide your report Equifax : Sorry, we can't verify your identity, so we can't provide your report. 
XXXX : Sorry, we can't give you your report, but we don't know why. 

This is the third time that I'm making this complaint. I'm tired of it.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX XXXX - XX/XX/2024XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX XXXX. They 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 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: Credit reporting, credit repair services, or other personal consumer reports

Unable to get my credit report from Experian I paid XXXX  dollars to get my report to Experian in a certified mail money order and Experian didnt honor my request
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting a late payment for the month of XX/XX/2023. However, the monthly payment was made and submitted to XXXX XXXX  on XX/XX/2023. Therefore, there should not be a 30 day late reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, on XX/XX/18 I contacted by phone and online XXXX, XXXX and Transunion.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX Account has written /Charged off and on credit Reports it is showing Late Payments/Missed Payments on Credit Report..it is unlawful to write off and still report
Product: Credit card or prepaid card

I have to existing Chase accounts, acct ending in XXXX reduced credit line from {$5400.00} to {$500.00} and Acct ending in XXXX reduced credit line to {$5400.00}. Reasons our decision was based on these specific reasons from XXXX. I spoke with XXXX all of my accounts are in good standing, no delinquency, public record or bankruptcy. Please see specific uploads, all reasons on adverse action letter or incorrect. There is no delinquency, public record, or bankruptcy or one or more revolving accts have a high balance compared to credit line. Payment amount above the required required minimum on some chase cards is low. One or more credit cards have a high balance compared to credit line
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted the debtor on the XXXX on XXXX requesting my signature proving this was my debt and or that i had paid the account late. The companies are reporting information to my 3 credit reporting agencies without any validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX have been reporting bankruptcy to the credit bureaus. 
The courts do not report any information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Dear Equifax To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692G - VALIDATION OF DEBTS AZ XXXX CHILD SUPPORT Account # XXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS ADVANTAGE Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card or prepaid card

XXXX   XXXX   XXXX   XXXX   Synovus Bank. customer service  XXXX  Dispute resolution department  XXXX .   I disputed  XXXX  fraudulent charges on my credit card statement  four  times.  XXXX / XXXX /   17,   XXXX / XXXX /   17,   XXXX / XXXX  /17 and   XXXX / XXXX /   17. Th e amount of the  XXXX  charges is {$80.00}.  Synovus s aid the dates of the transactions are outside of the dispute time-frame and will not refund the disputed fraudulent amount, which I have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 credit report showing XXXX XXXX account with status reported " charge off. {$650.00} written off. {$650.00} past due. " I called XXXX  XXXX to request irs 1099 form for supposed charge off account. XXXX  had no record of account. Isn't this identity theft
Product: Money transfer, virtual currency, or money service

Hi, This complaint is in regards to the company called Coinbase. I have a registered account with them. Basically, I have moved to another country ( XXXX XXXX ) and the only way you can log into your account is by verifying it via a text message. Since I moved, my number has changed too. I have sent them at least 3 to 4 emails saying that I have changed my phone number. The issue is the only way to change your number is you need to go through an ID verification process, which I have tried numerous times to complete. However, my ID is a passport and not a simple photo ID which is all they accept. So finally the only way to change it is to contact Coinbase, which I have done several times as mentioned above. The only response I have received is automated messages and nothing else. Now, recently I was able to locate my American phone number. I have then tried to log in but everytime I try they do not send the verification code. I am 100 % sure that it is the right number as well as I never had a different U.S. number. I have sent them an email about this too but I have yet to hear back.
Product: Checking or savings account

I lost my Venmo debit card. There were fraudulent and unauthorized transactions made. Venmo said they will investigate this and did not do a thorough investigation. They claimed a pin number was used when no one has access to my pin number. I then myself contacted all the merchants where fraudulent transactions occurred, and they all told me it was not a pin number used when my card was used. It was a signature-based transaction. Upon reviewing Venmos terms and conditions all fraudulent transaction should be refunded to my account along with freezing my card. This never was done by Venmo and Im asking for assistance. Venmo representative, then tells me to get documentation from the merchant which the merchant is unable to give me. They will only be able to provide it to Venmo. This is a tack of Venmo terms and condition said they should do.
Product: Checking or savings account

I deposited checks into my SoFi bank account and they close my account after one of them bounced and the other one has just been sitting in there for months. Ive called multiple times they keep saying its under investigation. I heard nothing back from SoFi.
Product: Credit card

My ex husband applied for a Discover card and listed me as an authorized user without my knowledge. After we split up, he stopped paying the bill which is none of my business, except that it is showing as delinquent on MY credit report. That should be illegal. I could open an account with them and list someone I did n't like as an AU and totally XXXX their credit without their knowledge. I think this should be illegal. I could understand if I was a co-app but I had nothing to do with that card. Discover ca n't even discuss it with me because my name is not on the account so I have no recourse. This is the only negative remark on my report and it is impacting my refinance rate/options. Please help.
Product: Credit card

I've spoken to AMEX a few different times over the last 30 days. I was laid off XX/XX/XXXX and not been able to gain full time employment. I've picked up a part-time job ( XXXX ) thru XX/XX/XXXX at XXXX XXXX. I'm making peanuts compared to what i made previously. However Last week in specific I called AMEX on XX/XX/XXXX to let them know I want to work with them, and I've explained my situation multiple times. The guy i spoke to asked me a few questions and offered a plan at {$290.00} a month for 48 months. This is/was more than minimum due leading up to my non-payment due to layoff. I asked multiple times if there were any more programs? I indicated I'm working with my XXXX XXXX XXXXXXXX card, and they lowered my interest to 1 % to allow me to catch up on the past due, the accts are frozen, but it prevents negative ( 30-day late reporting ) in a payment plan. I feel AMEX is Omitting information to allow me to make a sound decision. 
Anyway, last week after I told the guy I couldn't do XXXX a month for 48 months as I don't have the money to pay my bills, I can't come up worth more. Mind you it's so INSENSITIVE for a company to not listen to me at all, like its bad now, but you want to make it worse? How does that help me!? At any rate I was told to call AMEX 's internal debt consolidation group ; XXXX XXXX between XXXX XXXX as they have additional programs and more to help me. So today i did just that ; Only to find out this group doesn't exist, there's no other plans and the only thing they can give me is the same {$290.00} a month plan for 48 months. I can otherwise be transferred to a 3rd party credit counselor to PAY to have them Negotiate my AMEX debt or anything else. I don't need or want that, why is AMEX not willing to work with me?! Or better yet why do they want to send me to an outside 3rd party to make money off of me so they can then help me settle my debt with AMEX. Wouldn't it be more advantageous for AMEX to work with me an on a plan similar to what a debt consolidation group could without costing me more in Fees, fines and terrible negative credit reporting that comes along with it? I asked if its free, and if AMEX get a kick back for sending bad customers to the counselor. Seems like a conflict of interest and feels unethical to me to be solicited for a program that will cost me more in the long run ( Fines, Fees and TERRIBLE CREDIT REPORTING ) You don't want to use the debt consolidations companies as they tarnish your credit. I feel that No one at AMEX there seems to care, why can't I get truthful, transparent answers when I call AMEX. I want to speak with a stateside employee of AMEX that actually knows what's going on and will not waste my time and lie to me. I'd also suggest pulling the last two calls, they're monitored ; I feel the dishonesty thru them. It's almost like you can take a pulse on the mistrust, Things are being omitted and I'm being strong armed on the phone. I'm going in circles, please help me!!!!!
Product: Consumer Loan

Worked for a company on line that gave me a routing number and checking account number from XXXX XXXX XXXX to give to Capitol One bank to pay off credit cards in my name so i could ship products from the US TO XXXX XXXX Capitol one bank was the only bank to accept the bank account from XXXX XXXX bank without it being my personnel account THIS WENT ON FOR XXXX MONTHS UNTIL Capitol One GOT NOTICE THAT OT WAS A FRAUD ACCOUNT ... gave back XXXX to XXXX XXXX and held me liable a XXXX year old women on social security
Product: Debt collection

The agent had offered on XXXX XXXX to do a settlement payment. I asked for it in writing so I can have documentation of the offer, and was told that was not possible. On the XXXX, I had informed the agent that I was working during the day and would like to have a number to call to settle the debt, the agent then began behaving irrationally and used some profanity, stated I was trying to avoid payment, where I then explained I am working so I can pay my debt. I requested to no longer receive calls. The company calls 3 to 4 times per day ( often not leaving a message ). Yesterday they called at XXXX ( left message ), at XXXX ( left message of them talking to other people ), at XXXX ( no message ), and at XXXX ( no message ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading and inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX BANK XXXX PA has 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 13 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

Everything on my credit report for the last 5 years is identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc I filed a ftc report for identity theft report number # XXXX Police report filed with the XXXX Report number XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Dispute with Experian multiple times, they respond without investigation within a day that it meets standards. Multiple inquiries that I did not authorize and they refuse to remove. Also current collection belongs to someone other then myself. I currently have XXXX and credit Experian refuses to look at current bill, that explains I have a current account.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau I am writing to formally file a complaint against Blockchain.com regarding the verification process and restricted access to my funds. I have encountered significant issues with their platform, and despite numerous attempts to resolve this matter, I have not been able to regain access to my crypto assets. 

Summary of the Issue : Account Verification : I transferred my crypto assets to Blockchain.com and was requested to verify my account by submitting sensitive information, including my Social Security number, photo ID, and a selfie. 
It has been over a month since I submitted all requested information, but my account has still not been verified. 

Restricted Access : As a result of the pending verification, Blockchain.com has restricted my access to the crypto funds I transferred to their platform. I am unable to withdraw or move my funds to another platform. 

Lack of Support : I have contacted Blockchain.coms customer support multiple times via email, but I have only received automated responses that have not addressed or resolved my issue. 
My attempts to get my funds back to my previous platform, Robinhood.com, have been unsuccessful due to these restrictions and lack of meaningful assistance from Blockchain.com. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX