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

I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( "  FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX- Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report in XXXX and noticed an account showing inaccurate late payments. I contacted both companies ( XXXX, Transunion ) requesting that the late payments be removed and the account updated. XXXX and Transunion are reporting late payments on a Student Loan account that was in deferment. Reporting this incorrect information on my account is in violation of 15 USC 1666B.
Product: Checking or savings account

They authorize all transactions, even though I have asked them on several occasions not to
Product: Debt collection

I keep getting weekly phone calls from UNIFIN.

When I inquire about the reason for the call, their reply is just answer Yes or No " Am I speaking to ( my name mentioned ), I would then reply you called me, so please tell me what this is about. They reply : is your address -- --, I then reply please help me understand why you are calling me, they would then reply, just answer Yes or No to the question.

I've asked them to please stop calling me especially during my XXXX XXXX XXXX. Once I called them back telling them to stop harassing me, I used another phone line, and a young lady replied if you don't answer my question I will just have to keep calling you, you'll loose everything. 
Now that is where I stated enough is enough I need to file a complaint.
Product: Checking or savings account

I was scammed out of XXXX from my business account on XX/XX/XXXX XXXX This started on XXXX and happened through XXXX. I reported to card claims. Claims dept denied funds. XXXX also denied funds. This is a small business, and I am devistated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX  XXXX Account # XXXX, 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
Product: Checking or savings account

I have been a Citibank customer for several months, and to my dismay, my account was recently closed without any prior notification. Despite my persistent attempts to obtain an update on my account, I have yet to receive any response, leaving me in a state of confusion and uncertainty. 

On XX/XX/2023, I contacted Citibank 's customer service department, and I was informed that I would receive a call within 24-48 hours regarding the status of my account. However, to date, no one has reached out to me. Subsequently, on XX/XX/2023, I followed up on my initial inquiry, and a representative informed me that they had opened a case as per my request and that I would receive a callback within two days. I have been assigned a case number XXXX, and the email for the Executive Response Unit is citieru@citi.com. 

I have made several attempts to request a check with my account balance, but these requests have been repeatedly denied. On XX/XX/2023, I received an email stating that my request was denied again to expedite the case. 

This situation is of grave concern as it could lead to severe consequences such as expulsion from school, loss of housing, and repossession of my vehicle. Therefore, I urgently require the assistance of a senior executive to address this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : 1. The payment status and the payment history of each account are incorrect. 

XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  TransUnion / Experian/ Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Account Number XXXX XXXX TransUnion / Experian/ Equifax
Product: Debt collection

Dear CFPB Representative, I am filing this complaint against Plaza Services , LLC for their failure to comply with federal consumer protection laws and for the continued inaccurate reporting of a collection account on my credit report. Plaza Services ' actions violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Gramm-Leach-Bliley Act ( GLBA ).
Product: Credit reporting or other personal consumer reports

" I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action I've taken. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account is over XXXX XXXX XXXX. BofA should of removed this account in XX/XX/XXXX per information on XXXX. I filed a dispute and now they said it would be removed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and spoke with a supervisor whom I advised Of 7 hard inquiries on my credit report that were not authorized by Me. I did not request for my report to be pulled by any of the companies listed below. I was instructed by the representative that I could file a complaint on the hard inquiries from the following companies that I will list below. 
XXXX XXXX refused to assist me in disputing the inaccurate information. She refused to dispute or investigation stating that they do not dispute the hard inquiries and that I had to contact the companies directly or if I did not want to do so I could file a complaint. 
My complaint is that Transunion does not have any signed documents that allow them to place hard inquiries in my credit report therefore I would like the removed immediately. the unauthorized Inquiries are as follows - I am Requesting that Transunion Remove the following Hard Inquires from my report. The report number for my Transunion is XXXX 1. XXXX XXXX - inquiry XX/XX/2017 2. XXXX XXXX XX/XX/2017 3. XXXX XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 5. XXXX XXXX   XX/XX/2017 6. XXXX XX/XX/2017
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

A credit fraud was brought to my attention and a case was opened with XXXX on XX/XX/year>. When reviewing my credit report with XXXX, XXXX, and XXXX, I noticed that XXXX had several different phone numbers, locations and credit cards opened in my name. I don't even have a XXXX in my town. I DO NOT own a XXXX card. I only have XXXX phone number and NONE of the phone numbers match mine. The accounts appear to be closed, but all cards have been USED. I contacted XXXX, and tried to contact XXXX to dispute the account information. Awaiting responses from them. I do not know where to begin with XXXX, due to the fact there are so many locations the different towns the cards are being opened in.
Product: Debt or credit management

I have had it with cfpb and khols first off you guys know consumer law per 15 us code 1602g the consumers are the creditors so with my signature and social on the application it becomes a security so my name and ssn # is the begining of extending credit kholes so my SSN strictly states not for identification purpose then why ask so using my credit flipping it around and acting and illegally doing such is 42 us code 408 and you know these violation and that they are doing so I for one want to take action for identity theft and fraud securities fraud potentially as well and I want this off of my credit report and I want monetary compensation for this to the maximum and I'm going after you to the cfpb because you know these rules are in place and you see this happening constantly and you do nothing about it you know that we're the creditors you know that it's illegal to ask for our social security number you know that it's illegal to do a lot of things you see it all the time and all you do is investigate no that's XXXX you're going to do more than investigate on this one
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying off a personal loan through UPGRADE Inc. They started emailing me about another loan & possibly a review. I was too busy but had planned to do a Review possibly. That next week or 2, I received an alert of a new account from UPGRADE INC?? They had REPORTED a New Loan and a Balance even larger than I Had Recently Paid IN FULL. I called them - they kept me on HOLD for an hour & hung up. I emailed them. I disputed.... I soon received an email from a " SUPPORT '' Department. After Refusing to Write a Review because My Account AND Credit has gone through Turmoil w this Company just for Retaliation. After I refused - I received an alert that My Credit Score had dropped 48 points because UPGRADE has Now Fraudulently Changed My History DRAMATICALLY from 98 % to 50 %!! I am a 100 % XXXX XXXX XXXX, and this has been beyond stressful. All because I wouldn't Review this Company? They hung up on me so many times, I had to go this route.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has pulled my consumer report XXXX times from XX/XX/2022 through XX/XX/2022 without my knowledge, authorization or consent violating 15usc1681. Credit Karma had no authorization nor reason to access my credit report creating XXXX inquiries which negatively impacted my consumer credit report. FCRA Section 604 ( a ) ( 3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, XXXX and TransUnion are required by law to remove & block any information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never paid my payments late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am among those that had their identity stolen due to equifax 's lax cyber security. I checked on the website they provided for this incident and I was listed among the potential victims. 
Even the website they provided for checking to see if my data had been compromised showed several signs of ignoring standard web security protocols. 
I fee that equifax is liable for this data breach because they did not even follow what would be considered standard security procedures.
Product: Debt collection

I went to College XXXX in 2010 and I withdraw because I was going through medial problems at the time, I received financial aid which was paying for my education, they paid XXXX, once I had withdrawn all the funds had already been released the only thing that was cancelled was {$34.00} the rest went to XXXX. Now they are stating I still owe them {$200.00} and have put a collection on my credit report and I had already spoken with them and was told it was not a debt so why is now an issue and on my credit report with someone called ATG Credit collection
Product: Checking or savings account

I was recently employed by XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. We are paid weekly through ADP. I chose direct deposit as my form of payment. Initially I mistakenly gave ADP direct deposit information to a XXXX  account I used to have that is now closed. ADP sent my first two paychecks to XXXX one in the amount of XXXX on XX/XX/XXXX and another in the amount of {XXXX} on XX/XX/XXXX. The deposit of {XXXX  was returned to ADP by XXXX because the account is closed and those funds were mailed to me no issue. The deposit of XXXX} was also returned by XXXX to ADP but ADP is claiming they have no record of the funds being returned. I have had XXXX print out proof of the return and had a XXXX representative show me in their system that they no longer have the funds. ADP refuses to accept the proof XXXX has provided and it has now been a month and a half without my earned compensation. My employers at XXXX advised me to connect XXXX and ADP via phone call to which has been a failure because ADP does not provide phone support to individual employees. I have exhausted all attempts to resolve this issue with ADP directly and I urgently need my allocated funds that I earned & need to care for myself & my child.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting my address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXX but my addresses should be either XXXX XXXX XXXX XXXX XXXX, CT XXXX or XXXX XXXX XXXX XXXX XXXX, ct XXXX those are my Addresses. 
Please have that address removed .Also have Experian replace my points they took over XXXX for my car that was paid off XX/XX/2022 XXXX
Product: Checking or savings account

I found there to be numerous unauthorized transactions that were posted to my checking account starting on XXXX and continuing until XXXX which is the date that I first noticed the transactions and when I contacted Wells Fargo to cancel my card to prevent any further charges as well as to file claims for the unauthorized charges that had already taken place at that point. These unauthorized transactions fall under Wells Fargo Claim Reference Number : XXXX. I was grateful to have gotten a provisional credit issued to my account a few hours after filing the claims for the total amount of the disputed transactions which was {$1400.00}. Two days later I find that the very first disputed transaction that I filed a claim for was denied and the amount of that transaction was then debited from my account. This happened right before a Federal Holiday and I assume that based on how quickly they decided to deny my first claim that they will ultimately do the same for the remaining claims that I filed and subsequently debit my account for the entire provisional credit amount. This despite the fact that the transactions in question are completely unauthorized and were unbeknownst to me until deciding to login to my online banking account to see what my balance was because I was getting ready to have to access the money in my account to pay my rent which is how I first became aware of the unauthorized transactions on XXXX. In the days following being issued the provisional credit, I needed to withdrawal basically all of the funds in my account to purchase a money order to pay my rent for the month which I did, late due to the circumstances, but fortunately paid nonetheless. Therefore if Wells Fargo decides against my claims as they did with the first one out of the bunch and ends up debiting my account for the entire amount of the provisional credit then I would not only be out of the {$1400.00} in unauthorized transactions but my account would also be in the negative for that same amount so Id essentially be punished twice because I needed to pay my rent using the provisional credit. Aside from the initial claim denial, theres about XXXX additional claims that are still under review and havent been ruled on yet but after seeing the first claim denied and the amount debited from my account I wanted to be proactive in filing this complaint in hopes that this will help get me the right outcome for my remaining claims which would be for Wells Fargo to rule in my favor and make the provisional credit in my account permanent by ruling in my favor.
Product: Money transfer, virtual currency, or money service

Hello I am experiencing problems using Coinbase Wallet. I have been in contact with their customer support but over several weeks now but so far they have not been able to help me. 

On XX/XX/2021, I created a Coinbase Wallet, linked it to my Coinbase profile, and wrote down my unique word combination ( password ). 

A few weeks later, on XX/XX/XXXX, I sent XXXX  coins from my Coinbase account to my Coinbase wallet ( I got below message as an email from coinbase at the time ). 

Congratulations! You have successfully sent XXXX XXXX to XXXX. You can view transaction details in your Coinbaseaccount. To facilitate this transaction, you paid XXXX XXXX ( {$1.00} USD ) in network fees. 

Now, a few weeks ago I tried to log into my coinbase wallet using the same unique word combination that I wrote down in XXXX when I opened the wallet. However when tried to log in, it seemed like this created a completely new coinbase wallet account. I checked on XXXX, all my XXXX are still in the wallet ( XXXX ), but when I now go to active wallet in my Coinbase Wallet App, none of the " active '' wallets are the one that received my XXXX back in XXXX. 

Cleary my word combination is correct, but I wonder where the wallet is that received my coins? What happened to the wallet that I linked to my Coinbase account on XX/XX/XXXX? 

They should be able to see that the coinbase wallet XXXX is linked to my Coinbase account, correct. 

As mentioned, I have reached out to their customer support multiple times already, but so far the replies weren't very helpful. I am using the XXXX app ( XXXX ), but don't think this is a software bug but something more serious. 

Thanks XXXX
Product: Debt collection

XX/XX/23 A man showed up to my place of work with a summons to appear in court XXXX XXXX XXXX XXXX for XXXX XXXX XXXX 
Had no prior contact with the collection agency prior to the summons of garnering wages, threatening to take money from my back account. 
My husband is in remission from XXXX our home was damaged by the severe weather in California. This has affected my mental health. Help Thank you
Product: Checking or savings account

they charged me three fees illegally. I told them if they didn't put the money back into my account I would pursue the matter into court. they refused to contact me. When they did finally contact me they knew it was a day I would be at work and could not talk with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2022XXXX, I submitted a credit report dispute to have my legal name corrected on my credit file. When submitting the dispute using their online portal, I attached clear and legible copies of the below : - Current XXXX Driver 's License with new name and current address - Current Social Security card with new name and signature - Court Ordered Name Change Judgment with new and old names, signed by a judge On 2022-XXXX, Equifax responded to the dispute with the below message : " PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. ''