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

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the dates, account ( XXXX ) and account number ( XXXX ) .This request has been denied and I would like these inaccurate information to be removed. 



IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX AND XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IN EQUIFAX ONLY XXXX XXXX XXXXXXXX XXXX IN XXXX AND EQUIFAX ONLY XXXX I would also like these inaccuraXXXX information to be updated XXXX 



IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX ONLY XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a XXXX credit card with XXXX. When I XXXX XXXX I called the creditor, made a payment arrangement, then paid off the secured credit card, I then lost my purse with everything in it. As soon as it happened, I reported it to XXXX, yet XXXX did not close the card on that date and unauthorized charges came through, then XXXX denied my access to online banking and I was unable to view my statements. XXXX never advised me to file a police report. I disputed the unauthorized charges with the merchant, but it appears I did not purchase the identity theft feature that they offer, and I did not file a police report, because I did NOT have my purse stolen, I lost my purse. I have also requested itemized statements from XXXX but they have not provided them. They told me they can only provide itemized statements if I pay for the statements. On XXXX of 2023 I ran my credit report on www.annualcreditreport.com, because I was diagnosed with a XXXXXXXX XXXX XXXX and need XXXX XXXX That's when I saw that XXXX was inaccurately reporting. I reached out to XXXX, but they asked for a police report. I told them I was willing to pay the unauthorized charges, because I need to be approved for a loan for XXXX XXXX  XXXX verbally agreed to delete, if I paid {$160.00}. I paid {$160.00} on XX/XX/year> with Check # XXXX, but the inaccuracy of {$160.00} was not deleted, they are still reporting late payments and I never received my {$200.00} security deposit.
Product: Credit reporting or other personal consumer reports

I am writing to ask for your assistance in resolving ongoing inaccuracies on my credit reports from Equifax, Experian, and TransUnion due to identity theft and incorrect reporting. I have previously disputed these errors with all three credit bureaus, yet no corrective actions have been taken. These inaccuracies have significantly impacted my ability to secure financial resources for my family. 

Attached, you will find copies of my credit reports highlighting the disputed items, along with supporting documentation, including a police report where applicable. Below is a summary of the disputed items : Personal Information Errors : My name is misspelled across all three credit bureaus. 

Incorrect Account Information : XXXX. XXXX XXXX ( Opened XX/XX/XXXX ) There are inconsistencies in the reporting of late payments. I have no late payments, yet the information varies across bureaus. 

XXXX. XXXX XXXX ( Opened XXXX ) This auto loan was paid in full, and the car was returned. The account should have been closed when I traded in my old vehicle in XXXX. 

XXXX. XXXX XXXX I did not authorize or open this account. It was fraudulently opened during an identity theft incident, and no payments were made by me. 

XXXX. XXXX XXXX Account My card was fraudulently used when my wallet was stolen. I did not authorize these transactions. 

XXXX. XXXX XXXX XXXX XXXX This account was closed due to fraudulent activity. The balance was supposed to be removed, and I have attached a police report as evidence. 

Unauthorized Inquiries : I did not authorize any credit inquiries on XX/XX/XXXX, or XX/XX/XXXX. 

XXXX XXXX Accounts : 1. Fair Collections This debt is for an apartment in XXXX, where I have never lived. It was fraudulently opened in my name. 

XXXX. XXXX XXXX I have never had a T-Mobile account. I have been an AT & T customer since XXXX. 

XXXX. XXXX XXXX XXXX This collection account is related to gas service at an apartment I have never lived in or been associated with. 

XXXX. XXXX XXXX I did not authorize this account. 

XXXX. XXXX XXXX This account contains unauthorized charges that I previously disputed with the credit bureaus. No payments were made by me. 

I have made multiple attempts to resolve these issues with the credit bureaus, but my disputes have not resulted in the necessary corrections. These fraudulent accounts and inaccuracies are negatively affecting my financial well-being and my ability to support my family. 

I am seeking your assistance in ensuring that the credit bureaus properly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Please advise on the next steps I can take to rectify this situation. 

Thank you for your time and attention to this urgent matter. I appreciate your help in resolving these issues. Please feel free to contact me at XXXX for any further information.
Product: Money transfer, virtual currency, or money service

my Coinbase account number is XXXX and my name is XXXX XXXX I signed up for Coinbase account for several years but haven't log in for a while, I transferred amounts of crypto currencies from other wallet. I am trying to sell these crypto assets, but it warned me that my Account is under review. 

" Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or XXXX to check your status. '' There is no way to find the customer service, and no one to help me to unlock the account!!!
Product: Credit card or prepaid card

I opened a secured card with Citibank with a {$200.00} deposit ( therefore, a {$200.00} limit. ) I set up auto-pay in their app to pay the full balance on the first of every month. For XXXX bill ( due XX/XX/XXXX ) I paid a custom amount of {$75.00}, other than that, I have had it set for pay full balance. 

XX/XX/XXXX both Citibank and XXXX ( my checking/savings account ) notified me that my payment had posted. 

XX/XX/XXXX I go to use the card on my lunch break, card is declined. I check online, says I have a balance of XXXX dollars but also a credit limit of XXXX dollars. Again, it is a secured card, so with no balance I should have my full credit limit of {$200.00} which is MY money, Im just letting them hold it. I reach out to a rep, but get a bot. The bot is not helpful but assured me that a live rep will be there shortly. I need to go back to work, so I detail a message to the rep, Hello, I am curious as to why I have a balance of XXXX and yet a limit of XXXX on a secured card. The payment posted at XXXX XXXX and it is XXXX on XXXX, I would like this resolved immediately OR I would like the account closed and my deposit refunded into my checking account immediately. These are our only two options moving forward. 

XXXX No response, no resolution. 

XXXX No response, no resolution, so I reach out again. After going a few rounds with the bot, I reach XXXX. She informs me that my payment was suspicious so they froze my account and it will be unfrozen on XX/XX/XXXX. I tell her that this is unacceptable, that the payment is from the checking account used to set up the CC account and it is the same account that every auto-payment has come from. I am told the payment was too high so it was suspicious, and again, all I did was click the option ON THEIR APP that allows one to pay the full balance. I tell XXXX that it appears that they are punishing me for paying the full balance and want me to accrue interest, and that I consider them withholding my own money from me to be theft. I then said it appears my only option is to close the account and to receive my deposit ASAP. She says she understands, but I wont get the deposit until XX/XX/XXXX as well. I closed the account but I am furious. I opened this account to rebuild my credit after Covid destroyed me financially, and now I have no credit card and I am out {$200.00} because I have zero faith they will actually pay it back after reading countless complaints and horror stories from other consumers who were ripped off by Citibank.
Product: Credit card or prepaid card

company closed all credit card accounts on XX/XX/2019.
Product: Debt collection

I have been paying an amount that exceeds my required payment with the expectation that the excess payment wouild go against the loan principal to work toward lowering that. The company refuses to apply my excess payment in this manner insisting that the law says that excess payments must go to collection costs first. This serves to increase the amount I must pay in total since the loan would basically restart after I pay offf the XXXX outrageous ) collection costs.
Product: Credit reporting

I noticed inquires on my credit report with business that I have not done business with as a result these inquiries are affecting my credit score in a negative way.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I started exchanging messages with a person on a dating app. This person messaged me day and night, sharing intimate details and eventually gaining my trust. He would talk about his goals, his family, what he had for dinner, etc. It started off as normal conversation for several days, but then he started to mention investing in cryptocurrency and had me switch the conversation to XXXX. He shared with me screenshots of his own cryptocurrency trading, including the amount he would profit. Every doubt or question I had had a seemingly logical answer for it. 

This person eventually convinced me to start a Coinbase account, which I downloaded from the XXXX XXXX. He then sent me an app where he does futures trading, however this was not on the XXXX XXXX. This app was call XXXX. He convinced me to sell my stocks and then pressured me into making a wire transfer to purchase XXXX on XXXX. He said that the market moves too fast for a traditional ACH transfer to be profitable, thus wire is preferred. Once this was accomplished, he then pressured me into sending the XXXX to a separate digital wallet in the XXXX app. I made several wire transfers between XX/XX/21 and XX/XX/21 from my XXXX account to Coinbases bank, XXXX XXXX XXXX, totally {$33000.00}. The wire transactions were- {$6000.00} on XX/XX/21, {$3000.00} on XX/XX/21, {$3000.00} on XX/XX/21, {$5000.00} on XX/XX/21, and {$16000.00} on XX/XX/21. Coinbase gave me no warning that the digital wallet I was transferring to was part of a fraudulent company. This person would take me to trade by buying futures in the XXXX app, where you would choose an amount of the cryptocurrency price and a time limit on the amount. These futures tradings were always profitable. I eventually amounted XXXX XXXX in my XXXX  account. I had some suspicion about the app, however it allowed me to transfer {$100.00} worth of XXXX back to Coinbase on XX/XX/21, thus my suspicions went away. On XX/XX/21, he said I could finally withdraw all of my money from XXXX. Upon requesting withdrawal, I was met with a message stating I must pay an additional 20 % tax that can not be deducted from what is already in my account. I was never able to withdraw any money. 

I wrote to Coinbase on XX/XX/21 to dispute these transactions, but I only received an automated email and my account was frozen. They never provided me with updates regarding this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the XXXX XXXX and the XXXX. the issue was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. BK OF AMER Inquired on XX/XX/2019, XXXX/XXXX Inquired on XX/XX/2019,. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Checking or savings account

Wellsfargo closed an payee account XXXX took money out my acct. I contacted them n they put it back than a month or 2 wellsfargo took the money they put in my acct & made my acct overdrawn and than they closed it..
Product: Credit card

I received a letter from Citi, N.A. stating that I was enrolled in " XXXX '' and charged monthly fees without my consent or knowledge and may be eligible for a refund. The account ending ; XXXX Customer Ref # XXXX Date of letter ; XX/XX/year> addressed to ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX A website was listed, but the webpage no longer exists ; www.Citi.com/XXXX  This letter was just recently found in the back of a file drawer while cleaning out my office. Any help would be greatly appreciated. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX **** has violated my right.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you very much for looking into my case. 

On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. 

The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX  and XXXX  So far it has been almost 2 full months and  this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting or other personal consumer reports

I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE IDENTITY THEFT INQUIRIES MADE WITHOUT MY PERMISSION. 
DELETE ALL THOSE FRAUD INQUIRIES BY LAW AND SEND ME A COPY OF MY CREDIT REPORT. 


XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX  INQUIRY XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX  XXXX DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023. 
XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 Thank You for Your Help.
Product: Credit reporting

Received notice of an account that was {$1800.00} and in collections. This account was for Cable and internet service XXXX XXXX at an address in XXXX XXXX. I moved to XXXX in XXXX XXXX to start a business and we have lived in XXXX since then. I never lived at the XXXX XXXX, XXXX, XXXX address where services were established. 
I had been a previous victim of credit fraud so I had a 7 year freeze ( XXXX military ) placed on my credit and this account was still opened without my knowledge or approval. Both the credit reporting agency and the service company tell me there is nothing they can do. This is a verified account. How is this so if I did not even live in the state at the same time and never gave permission. I called the police to get a police report and was told here in XXXX they can not do a report because it happened in XXXX. XXXX says they can not do a report over the phone. 
We are trying to buy a house and this is hurting our family. What can we do? 

Thank you for your attention,
Product: Student loan

I was approved for income based repayments through Navient on XX/XX/XXXX with the date of first payment being XX/XX/XXXX. Today, XX/XX/XXXX, I went to make a payment and it said I owed over 300.00. I can not pay this amount. I can barely afford the XXXX IBR payments, as I am only making a few cents more this year than I did last year when my payments were XXXX.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and unverified collections on my credit report. In reference to codes 15 USC 6082, 15 USC 1681b, and 18 USC 1028a. This company has violated my rights. I have taken the necessary steps to remove this collection and it has not been removed. According to code 15 USC 1681 ( a ) ( 6 ) ( b ) ( iii ).
Product: Mortgage

My current mortgage lender Axos Bank solicited my business for refinancing the mortgage. I started an application process ( Loan # XXXX ) on XX/XX/2021. While I submitted all documents necessary for processing the application as discussed and mutually agreed to in my conversations with the Loan Office XXXX XXXX, Axos Bank continually asked for more detailed bank statements that included private information about equities I own as opposed to summary balance account information. I refused divulging this private information and as agreed to the loan officer XXXX XXXX. I offered to provide complete bank account balance summary information as documented in my emails with the bank. Since Axos Bank did not respond to my offer of providing these bank statements by email or voice calls, I decided to suspend this mortgage application as documented by my communication to the bank on XX/XX/2021. Axos did not respond to my request to suspend my application instead sending me a Letter of Declination dated XX/XX/2021 that DID NOT acknowledge the fact that I HAD CANCELLED the application. Instead, Axos through willful negligence and malicious intent stated other reasons for declining the application that were not based on facts relating to documentation issues. This mischaracterization has caused injury to my outstanding credit ratings, their non-transparent requirements as agreed to and stated by their loan officer during the application process has wasted my time and effort for the application, and their repeated absence of communication through critical parts of the application process is willful negligence. 

Axos Bank has been consistently evasive and non-responsive about communicating with me through either email or phone through this process prompting me to file this formal complaint with CFPB. Their actions are anti-consumer with potential implications for punitive and other damages. I have documented my outreach to the bank to get answers for this appalling and potentially illegal and discriminatory actions by the bank and the absolute silence by Axos Bank, which is an entity in the regulated finance industry : XX/XX/2021 : Email to XXXX XXXX and XXXX XXXX Subject : Letter asking Axos Bank to suspend my loan application summarizing my reasons underscoring the unsatisfactory performance by Axos Bank as cause for deciding to withdraw the application Response from Axos Bank to suspend my application : NONE XX/XX/2021 : Email to XXXX XXXX, XXXX XXXX and XXXX XXXX Subject : Formal complaint regarding malicious and improper characterization of reasons in Letter of Declination from Axos Bank received by mail Response from Axos Bank : NONE XX/XX/2021 : Phone call and voicemail to XXXX XXXX Subject : Final attempt to get a response from Axos Bank regarding my complaint on XX/XX/2021 ( stated in ( b ) ) Response from Axos Bank : NONE
Product: Debt collection

This account has been re-aged. It was originally supposed to be removed XXXX XXXX now it is reporting XXXX XXXX removal.