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

On XX/XX/2018, my son applied for credit at XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX, XXXX, CA., XXXX which was done by XXXX at ( XXXX ) XXXX in which you reported my son had no credit score whatsoever with Equifax . Due to the fact that I didn't want to have him have a tire blow out while driving, he asked me to co-sign. I know for a fact that he has a better credit score than I do. So the problem Equifax caused was to put a hard inquiry on my credit report by co-signing when it wasn't necessary at all which you took 10 points off my credit score. By that time, I had a decrease in one of my credit cards for {$410.00}. You provided the wrong information to XXXX. When I co-signed, I went to XXXX in XXXX, CA. on XX/XX/18. My son has made a complaint with the CFPB also. He copied information off XXXX XXXX and provided it to the company to prove he actually had a credit score of XXXX minus 10 which brought it down to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the accounts on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX., XXXX, IL XXXX. I recently received a copy of my consumer report and noticed that some accounts on my report should not be there. As per the Fair Credit Reporting Act ( FCRA ), I demand that the below accounts be deleted from my consumer report immediately. 

Furthermore, I would like to bring your attention to the fact that reporting these accounts is a violation of 15 US Code 1681. 

The following accounts are reporting inaccurately on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX XXXX Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX, WI XXXX - Resident type : Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX, Additionally Previous Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Please remove these accounts from my credit report as soon as possible . Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to dispute certain information on my credit report related to the accounts mentioned below. I have been informed by the respective banks that the discrepancies are due to internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX  XXXX. I have attached supporting documentation to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I am aware that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I anticipate your prompt response and the correction of the inaccuracies in my credit report.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to another complaint filed XXXX in which TD banks claims I removed a fraud block. However, out of the 6 fraudulent charges, I only removed 1 fraud block. I did not receive any td bank alerts on all the other fraudulent charges. Please provide me with a record on all fraud removals for each fraudulent transactions. Because I only have a record of 1 td bank text alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negotiated a pay for deletion ; paid in full ; yet the company instead affirmed to the credit reporting agencies that the debt is valid and should remain on credit report. I called them and they stated they sent request for deletion to agencies two weeks ago. However, I spoke personally with all three agencies and they gave me conflicting information. Please intervene.
Product: Debt collection

I receive multiple phone calls from XXXX till XXXX sometimes everyday if I dont pick up. 
I have a DO NOT Call at work on my account and they have called me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX stating a new inquiry was on my credit. I checked and Capital One Bank inquired on my credit on XX/XX/XXXX, yesterday, and I did not inquire at any moment with capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$43000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} XXXX  - XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1900.00}
Product: Payday loan, title loan, or personal loan

The loan dept at tcf Bank does not answer the phone. I have tried XXXX to 7 times in the past month with hold times being a minimum of 2 hrs and the longest being 4 hrs at which I eventually hang up because no one will answer the phone. I tried calling the regular tcf bank customer service and after a wait time of 45 minutes someone answered the phone but said could not help me with loan services. I made a {$110000.00} online payment with a balance of {$110000.00}. I got a statement today that tcf bank is continuing to charge me interest at a higher rate.I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I unfortunately had to pay off a collection that was on my account from Capital One Bank. 
this was a Credit card from Capital One Bank. Some of the transactions in the account were not authorized by me nor did I authorize any one to use my card. I am still poping out in the Capital one database that I owe them a sum. this need to be corrected.
Product: Debt collection

My son who no longer lives in Florida stole my identity and used it to make several purchases in my name back in XXXX and XXXX when I was still working as a XXXX  XXXX at a XXXX XXXX. I had recently lost my wife of 30 years who passed away very unexpectedly and I myself the same year almost died from a XXXX XXXX and had XXXX XXXX XXXX. I went back to work 2 months later and began working 60-70 hours a week. I paid no attention to my son who had gotten his hands on my bank account info and all my personal info, he proceeded to buy all kinds of things without my knowledge, he apparently was making payments on time and the only way I found out was when he left Florida and moved to Michigan all of a sudden. Then I started getting bills from what he had purchased under my name.I never got the mail when he was in Florida since he was smart enough to get it before I got home from work which was 10 or 11 oclock at night.I cleared up all of these accounts by returning merchandise he bought for his apartment and left in Florida, and also by writing letters to the other merchants.This merchant - cavalry portfolio services, bought an account from XXXX XXXX  .Apparantly my son bought some furniture on credit and paid about {$1000.00} of a balance of {$1500.00}, when I became aware of the account they had already sold it to cavalry at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ny XXXX, phone number XXXX.I spoke with XXXX who removed the collection from my credit bureau, however Cavalry portfolio services will not . I have disputed them in the credit bureaus, and contacted them twice, they will not delete the collection from my bureau unless I pay them {$960.00}, even though the original balance remaining was only XXXX {$600.00} they will not help me. I offered up to {$600.00} to clear it, even though I should not have to, they say it is my account because my name is on it, they don't care about identity theft, they are not interested in what's right only the money. I can not afford anymore, I have been retired since XXXX with XXXX  XXXX, I have perfect credit with a XXXX score but this account is keeping me looking like a bum with a collection account. It is very disturbing th work hard my entire life, get to XXXX years old and have this happen. Please help!
Product: Debt collection

XXXX says that the comfortable collection Global Trust Management is responsible for not removing my negative negative, paid a long time ago.
Product: Debt collection

Does not understand that the debt does not belong to me. My father and I go by the same name. 

Creditor ABSOLUTE RESOLUTIONS I Phone number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the account reported as closed/charged off with a balance. 

It is listed as : Account charged off. {$930.00} written off. {$890.00} past due as of XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Reporting a balance on a charged-off account is inaccurate.
Product: Money transfer, virtual currency, or money service

Our assets from our Coinbase accounts were stolen from our account XX/XX/year>2024. A timeline of what happened is below. 

1. Last week we sold a number of our assets on XX/XX/XXXX. We got a notice that they will be available within 3 to 5 business days. 
2. Today we called this number, XXXX, to see how we could get access to our sold assets. We googled for the Coinbase phone number, and that phone number came up. 
XXXX. A person walked us through settings up a Coinbase wallet in XXXX and how to move our sold assets to the Coinbase wallet. 
4. The assets we moved to the wallet, and we received the emails below. 

The first email below is what we received when we moved our sold assets to the newly created Coinbase wallet. We did see that the sold assets were in our Coinbase wallet. 
We also set up our wallet account by scanning in our license and taking a video of my face and recording. About an hour later we received the second email below which we did not authorize. Now are wallet account has {$0.00} and our Coinbase account is almost down to {$0.00}. 

We have locked our Coinbase account and changed our password for our Coinbase account and for our email address. 

First Emil received from Coinbase. 

You sent XXXX USDC via XXXX network To : XXXX If this wasnt you, lock your account immediately. Then, change your password. 
Lock my account View transaction Coinbase 2024| Coinbase Inc. 
XXXX XXXX XXXX # XXXX | XXXX CA XXXX | US NMLS ID : XXXX Coinbase is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. 

Second Emil received from Coinbase. 




You sent XXXX BTC via Bitcoin network To : XXXX If this wasnt you, lock your account immediately. Then, change your password. 
Lock my account View transaction Coinbase 2024| Coinbase Inc. 
XXXX XXXX XXXX # XXXX | XXXX CA XXXX | US NMLS ID : XXXX Coinbase is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is showing closed on my credit report for Experian, XXXX, and XXXX. 
XXXX is showing closed on my credit report on Experian only. 

According to 15 USC 1681 ( b ), I have not provided Experian, XXXX, or XXXX with written consent to furnish or obtain my information regarding XXXX XXXX. As such, their reporting of this information is in violation of the FCRA. 

According to 15 USC 1681 ( b ), I have not provided Experian with written consent to furnish or obtain my information regarding XXXX. As such, their reporting of this information is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - Date of inquiry : XXXX XXXX - Date of inquiry : XXXX XXXX XXXX XXXX - Date of inquiry : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. It is imperative that you conduct a thorough investigation into these discrepancies and rectify them immediately. Failure to do so may result in legal action being taken against your bureau for non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This morning I received a {$540.00} direct deposit and now I have XXXX. My transactions are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. That equals XXXX. Minus the XXXX I have XXXX is just gone. 

I contacted support and they said A technical error that occurred between XX/XX/year> and XX/XX/year> impacted one or more of your XXXX XXXX transactions. That time, merchants that you used your XXXX XXXX with successfully received payment but the funds were not deducted from your account. As a result, your account balance was temporarily higher than it should have been because your payment to the merchant did not decrease your account balance. 

That is not only incredibly shady, but its not true. I always check my balance after a purchase. What should I do?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported on my credit file. I have repeatedly submitted disputes regarding specific items, yet I continue to receive stall letters rather than the necessary verification documentation as mandated by law.
Product: Credit reporting or other personal consumer reports

Experian does not allow me to login / register an account. This only happens to me. 

This issue is since last year. At that time, you told me that it is because I don't have my own credit account ( even though I am using XXXX authorized credit cards from my husband ) Now I have my own credit account for 3 months+, and I receive email from Experian saying that it is uploaded to my credit history. BUT I STILL CAN NOT LOGIN MY EXPERIAN ACCOUNT!!! 

Always useless to call Experian. Their membership department is a joke. Always just automated system. No real person. 

It is something wrong internally in the system, not wrong username / password. Need someone to fix immediately, manually.
Product: Credit card

Kohls credit offered me a generous percent off for using my kohls credit card. I said I didnt believe I had one and they checked my info and said I did and rang up everything. However, after the transaction settled, all of the lofty discounts that were promised no longer applied. 

The biggest issue is that I never received any bills from Kohls. I did receive XXXX phone calls that originated at XXXX AT NIGHT on XX/XX/XXXX and other nights after XXXX ) from a number identied as spam - I blocked it. However, researching the number I believe it was Kohls. 

They may say that they though I lived in California. However, I did file a XXXX change of address form and my transactions were in North Carolina.
Product: Checking or savings account

My funds are being held by capital one and they make unauthorized withdrawals to my account.. i have more than {$500.00} in my account but i recently checked i only have {$100.00} and they arent allowing me to remove or close my acount i keep trying to call them but they dont care about me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the the incorrect items on my credit report with XXXX, TransUnion, and XXXX  on XXXX XXXX. It has been well over 30 days. I received results from XXXX  on XX/XX/2021. I have not yet received any investigation results from TransUnion or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$2600.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Product: Mortgage

Freedom Mortgage has applied my extra principal payment to escrow and has not corrected the issue in over 7 months. I made an extra principal payment of {$500.00} on XX/XX/XXXX which posted on XX/XX/XXXX as additional escrow payment. I contacted them ( representative name and I.D . number available ) around the XXXX  or XXXX  of XXXX   upon reviewing XXXX  statement, noting the above change. I was told that it would be corrected by XX/XX/XXXX. After reviewing the XXXX statement with no change, I contacted them again on XX/XX/XXXX ( representative name and I.D . number available ) and was told the issue would be corrected by XX/XX/XXXX. I again contacted Freedom Mortgage on or about XX/XX/XXXX requesting that the matter be resolved and to send me transaction history. The payment amount changed on my monthly statement for XX/XX/XXXX and there were no fewer than 16 transactions applying and reversing payments in regards to escrow, monthly principal and interest. The extra principal payment still has not been applied and the matter had not been resolved. I've called twice during XX/XX/XXXX and spoke with representatives trying to resolve this ongoing issue and patiently waited for results. Again, there are about twelve transactions applying and reversing payments without correcting the problem. Additionally, Freedom Mortgage has changed my monthly payment amount without notifying me and used funds applied to extra principal to pay changes in monthly interest without giving me notification. Concerning the loan, I have consistently made monthly {$500.00} extra principal payments since inception. By changing the monthly payment amounts during XX/XX/XXXXit has created a supposed shortage in the escrow account which in turn has changed my current monthly payment twice to a higher amount during XX/XX/XXXX.
Product: Debt collection

Midland Credit Management has sent letters regarding a debt of {$640.00} that I owe them. I spoke with a company representative directly and was told to disregard the notice because the SSN associated with the account did not match. The recent notice I received is threatening legal action if some or all of the debt is NOT paid by XXXX XXXX. I spoke with the original creditor ( XXXX XXXX Bank in XXXX XXXX, NV ) and was told that there was no account registered under my SSN. This account has not been removed off of any of my credit reports, and I have recent submitted a complaint to the Federal Trade Commission with an affidavit to submit to the XXXX. Someone fraudulently used either my name, address, or SSN to open and close the account.
Product: Debt or credit management

I would like to file this complaint against TSI collection agency for Email Harassment for a cell phone bill for XXXX XXXX XXXX XXXX it's a Identity theft acct because XXXX opened cell phone acct for someone who stolen my personal Identification without verification and i have place a note and fraud alert at all three credit bureaus if someone try to open an acct in my name i need to receive a call from the creditor first to prevent fraudulent activity but i never any call from XXXX that cell phone acct was opened ilegally in my name my social security and my drivers license were stolen in XX/XX/XXXX and XXXX was granted a cell phone to the person who stolen my personal Identitfcation but i file a police report more 4 times before somebody broke into my car stolen my personal identitification On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX when i lost my wallet this is unfair debt Deceptive and Abusive practices. 
I want TSI to stop all the email Harssment and Threat and misleading the consumer.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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