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

all personal information is incorrect, there are 3 names that do not apply to me as follows : XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX Also there are multiple addresses that are not associated with me either and they are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
there is also a collection they are refusing to remove which is XXXXXXXX XXXX XXXX balance XXXX dollars Date reported XX/XX/XXXX, XXXXThere are also inquiries that do not belong to me, i have not applied for any of these accounts, they are in no way associated with me. XXXX is very very difficult when requesting for them to rectify inaccuracies on my credit report as does XXXX however lets start with XXXX these are the accounts that need to be removedXXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX  Date XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Also They are refusing to remove the bankruptcy which has been discharged XXXX XXXX XXXX XXXX with a filing date of XX/XX/XXXX, XXXXPlease assist with XXXX being compliant by encouraging them to please remove all inaccurate information, this is affecting my day to Day living and is Hindering me from obtaining a place to live and from obtaining gainful employment. 
My correct Name is as Follows XXXX XXXX XXXX and My Correct address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my Telephone Number is as follows : XXXX. My Email address Is as Follows : XXXX. 
Please feel free to Contact me if necessary at your earliest convenience. 

Thank You
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX  XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting
Product: Credit card

My name is XXXX XXXX and I obtained capital one credit last year with a {$250.00} deposit and used the card while I was working out of town all last year I set online accounts to make payments in which case did not always go through and i was forced get on phone with a capital one superviser and my bank to verify that had made a payment. i have since lost my job and made that clear to capital one i used a friends home phone number to set up the account as i was working out of town now that i am unemployed capital one is calling everyday to pressure me to make a payment when this phone number is not my number XXXX XXXX has asked them to stop calling her phone number and given them my correct number but yet they still keep calling everyday
Product: Credit reporting, credit repair services, or other personal consumer reports

name address and account numbers all not mine listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY show tooltip button XXXX  XXXXDispute XXXX   XXXX XXXX  XXXXDispute XXXX  XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online Soft Inquiries Soft inquiries are usually initiated by others, like companies making promotional offers of credit or your lender conducting peri
Product: Checking or savings account

Hello ; My bank Citizens bank account, I have paid over {$2500.00} in overdraft checking fees this year as of XX/XX/XXXX. I shut off the overdraft option as of XX/XX/XXXX. Suddenly I receive a letter from Citizens notifying me last 12 months I had overdraft fees. Obviously, prior to shutting off the overdraft option I know I had OD fees. Appears to be that since Citizens isn't getting the $ 200-300 in overdraft fees monthly they used to auto deduct from my account since opting out.I now receive a letter stating I can " opt-in '', take from savings or get a line of credit. The line of credit would have been beneficial for years to me. I have banked at CB for 5+ years. CB never approved me for a line of credit to cover overdrafts but would gladly take in 3 years probably 3-4k just in overdraft fees. This is on an account that is a direct deposit. On a direct deposit for a certain time period, at a certain amount, people should be eligible for the line of credit so that instead of OD fees they're only paying $ 20-40 a month for a line of credit for any overdrafts monthly. Instead the bank is continuing to prey on low income people. Why is it I can afford to pay $ 2000-3500.00 in overdraft fees but I'm not worthy of a {$500.00} a month line of credit to cover only my checking account? I've paid at minimum {$130.00} a month and up to {$500.00} in OD fees when I opted in, for years. All of a sudden I opt out, my account is a positive balance and now I have choices? The US banking system preys on low income people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a false credit inquiry on my XXXX credit report by a company called : Security Finance. The brick and mortar store shows to be at XXXX XXXX XXXX, XXXX, XXXX, XXXX. I received the notice through XXXX and consulted with a Fraud Restoration Specialist through XXXX at XXXX. She tried contacting Security Finance on the phone number provided but received nothing but recordings and directing her to a website. The website provided instructions if a credit dispute is required which simply requested a letter in writing to : Consumer Reporting, XXXX XXXX XXXX, XXXX, SC XXXX. I have written a letter via certified mail requiring Security Finance to remove the hard credit-pull from my credit history. I, nor my family, have instigated any reason for ay type of credit pull on our part or against my name.
Product: Credit card or prepaid card

On my XXXX XXXX XXXX XXXX statement, closing XX/XX/2018, it is reflected that I made a single full payment of {$1800.00} towards my previous balance of {$1800.00} and that current balance is {$0.00}. However, it also reflects that they billed me {$14.00} in interest, supposedly on an amount of {$650.00} subject to interest. 

Upon speaking to a customer representative and a supervisor on XX/XX/2018, I still haven't received a logical explanation of where a balance subject to interest of {$650.00} even came from since it is neither currently or previously reflected as either a balance or purchase. 

I was promised that the charged interest would be voided and that previous interest paid would be refunded to me due to the fact that the original purchase of {$2000.00} was supposed to be a promotional purchase that provided no interest if paid within 12 months. 

However, given that previous verbal and written ( letter dated XX/XX/2018 ) promises to adjust the purchase to the promotional rate had gone unfulfilled, I haven't the confidence in the company to make due on their most recent claim to resolve the issues I am experiencing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX US DEPT ED XXXX CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS INCOMPETENT AND REFUSE TO DELETE FRAUDULENT INFORMATION AFTER I HAVE PROVIDED PROOF THAT THE FRAUDULENT ACCOUNT DOES NOT BELONG TO ME, IT HAS BEEN 5 MONTHS THAT I HAVE DISPUTED THIS FRAUDULENT ACCOUNT AND FRAUDULENT HARD INQUIRIES AND EXPERIAN STILL IGNORES ALL DISPUTES AND CLAIMS THE INFORMATION TO BE ACCURATE WHEN THE CREDITOR CONFIRMED IN WRITING THAT THE ACCOUNT DOES NOT BELONG TO ME, PLEASE SEE MY LETTER TO THE CONSUMER FINANCIAL PROTECTION BUREAU ATTACHED TO DOCUMENTS.
Product: Debt collection

I have disputed this issue multiple times online, and most recently faxed a request for validation of this debt and also disputed the validity of this debt again to XXXX XXXX XXXX on XX/XX/XXXX. Even though I am a XXXX recipient, had coverage for the XXXX which was XX/XX/XXXX, and should never have been billed, charged, or had it placed in my credit file, neither XXXX XXXX XXXX nor XXXX XXXX has removed this from my credit file. Therefore, I am providing proof that this is an illegal charge placed on my credit file fraudulently, even though I should not have to do this or provide this information because XXXX XXXX XXXX and that the current owner of XXXX XXXX XXXX already has this information. XXXX XXXX XXXX and XXXX XXXX XXXX, or the current owner of XXXX XXXX XXXX, is in violation of the law. I have also filed complaints with the State of Georgia and the current owner of XXXX XXXX XXXX through XXXX on XX/XX/XXXX. The amount that XXXX XXXX XXXX placed on my credit report is {$2900.00} for which I am not responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX Account # XXXX is reporting inaccurately through all credit reporting agencies. This Account has been written off and Charged-off on all three credit bureaus the balance should be reporting a XXXX balance, If the company has written the account off bad debt, the IRS states that this has now become income and income should not be reporting on my credit report. After numerous attempts of disputing with the the Credit reporting agencies and failed thorough investigations I would like to see this account removed from my credit report. In addition to the Credit reporting agencies is reporting inconsistent " date of last activity '' on all three credit reporting agencies. 
TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX The inaccurate reporting is Violating my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX/XXXX  XXXX  XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX - XXXX has violated my rights, XXXX  XXXX | Original creditor : XXXX XXXX  - XXXX has violated my rights, XXXX XXXX, XXXX  | Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX - XXXX has violated my rights, XXXX  XXXX  | Original creditor : XXXX XXXX  XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have never given accounts written permission to furnish on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filled a complaint with XXXX, Equifax and XXXX about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than Equifax or XXXX. Equifax and XXXX both send me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 

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

Hello, I recently sent Late payment removal letters and Charge Off Removal Letters to XXXX, XXXX, Transunion and the creditors requesting to remove late payments and Charge offs off of my consumer report. I sent out the Late Payment removal letters to the consumer reporting agencies and they have all came back as Return To Sender and undeliverable. The Charge Off Letter requesting a 1099c for my tax return to the credits also came as Return To Sender. I sent out a letter to the consumer reporting agencies XXXX, XXXX and Transunion letting them know that they are furnishing inaccurate information on my consumer report and that they had 5 business days to respond. They have failed to do so. 

I sent out the Late Payment Letters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Doesn't show amount Charged Off- Tran union Im asking consumer reporting agencies to please have the late payments deleted from my consumer report because I sent out the letters and they came back as Return to sender and Undeliverable. Also asking for the Charge Offs to be deleted off of my consumer report. I requested a 1099c to file on my tax return and the letters came back as Return to Sender. I sent out letters to the consumer reporting agenices notifying them that they are furnishing inaccurate information on my consumer report and that they have 5 business days to respond. They have failed to do so. These accounts are Unverifiable. I have Attached copies of the Return to sender Cards .Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit reporting agency and the results are as follow XXXX- the dispute was open on XXXX  they responded saying that they update the account to reflecting a new date of XX/XX/XXXX which is the reason I filed dispute in the first place they are re-aging the account Transunion reopened the account as of XX/XX/XXXX which was original closed in XXXX XXXX XXXX how could they reopen account that was reported closed and charged off by the original creditor. 

XXXX is also re-aging the account reflecting that the account is opened as of XX/XX/XXXX All three companies are violating my rights with re-aging this account in which I did get a response from the original creditor XXXX XXXX XXXX  which does not show where they sent any info to these credit reporting companies to re-age accounts. 
I don't think that these companies did an accurate job in investigating this dispute they never sent me anything about how the investigated or what process they used to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion and XXXX after I purchased a credit report with IdentityIQ on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to XXXX and TransUnion on XX/XX/23. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Checking or savings account

I noticed Navy Federal will hold off on removing the money from My account which causes multiple overdraft fees.
Product: Money transfer, virtual currency, or money service

I transferred XXXX stellar lumens to my Coinbase wallet on XX/XX/XXXX. The price since then has doubled but the real issue is that I was transferring it to buy XXXX XXXX which has gone up significantly. All in all this ended up costing me a lot of money. Anyway, the transaction was completed but the funds were never received. I have opened up 10 support tickets and they have not helped yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, inquiries, and there is a name thats not mine. Please remove them immediately.
Product: Credit card or prepaid card

Coinbase debit card transaction got reversed on the XXXX of XXXX By the XXXX, my account was not credited the amount reversed and Coinbase XXXX every XXXX of my cases trying to get the XXXX money posted every single day since then. 

Today they revoked my premium phone support and stopped responding to emails. 

Card happen to be fdic insured and I'm sure they got that too and refusing to help. Went on reddit about this too and post is not appropriate to repost here in government site. 

Crypto is money nowadays and holding money for other folks makes you a bank unless you stop saving the money and make it disappear when customers wants it back names you a thief like XXXX and his cohorts with the XXXX art during the world war. 

Shame on you.
Product: Student loan

I applied for and received federal student loans while I was in medical school. I made every payment on time and consistently renewed my income-driven repayment plan yearly, on time and without issue. In XX/XX/XXXX, the due date on my income-driven repayment plan lapsed because I had not received an email alerting me of the yearly requirement for renewal. Upon receiving an email on XX/XX/XXXX that there was an action required on my account, I logged in to find that, because I had not submitted the income-driven plan renewal, ( 1 ) the entire outstanding interest on my loans had capitalized ( + {$19000.00} ) increasing my principal balance by ~10 % and ( 2 ) my monthly loan payment had quadrupled ( to ~ {$2100.00} ). 

I also found that I had been sent -- electronically -- one single notification on XX/XX/XXXX to renew my income-driven plan. However, the email alerting me that I had an action pending on my account was not sent. Moreover, I received no other alerts from FedLoan servicing that I needed to renew my income driven plan. Instead, on XX/XX/XXXX, the above occurred. 

I called FedLoan Servicing several times between XX/XX/XXXX and XX/XX/XXXX to discuss the matter. I was forced to submit a one-time forbearance on my XX/XX/XXXX payment because it was ~ {$2100.00}, and I could not afford it. I was encouraged by a supervisor at FedLoan servicing to submit a letter explaining the above described circumstances in order to trigger an investigation and to revert the principal to its prior balance. I was told to expect a response in 2-3 months. 

It has been 6 months since my submission and despite two other calls to the company over that time period, I have not heard a response. 

I have been consistent and timely throughout the life of my loan. I have paid every payment required of me over the life of the loan and I had renewed my income-driven plan without lapse as well. This was an unfortunate event, not consistent with my prior character, that has cost me a 10 % increase in my principal balance and will cost me tens of thousands of dollars over the life of the loan. Also, despite the costly nature forgetting to renew my income-driven plan, I only received one notification from the company to perform this task. I formally disputed the capitalization in a timely fashion ( within days of being notified, on XX/XX/XXXX ) and have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. Cemenity Bank, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.
Product: Credit card or prepaid card

I have requested a lower or 0 % apr for a few months. I have a large amount on my card and I have been out of full time work for over a year. I also was positive for covid and almost lost my life due to a XXXX  XXXX report and XXXX XXXX in both XXXX. I still use XXXX. It will take some time to get back my health so I can earn a better living like I used to. I can not make any lead way to getting the debt paid with all the high interest. The cares act is supposed to help. i have not been able to get any government help because they still have an old checking account. 
This has been a horrible time for my son and I. 
I pray there will be some efforts from these credit card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX now is reporting inaccurate information on my credit report. Account has been charged offed which then becomes cancel debt. according to the IRS this charge should have been reported as income. acceptance not is reporting inaccurate information to my consumer report monthly which is a violation of 15 USC 1681s-2. This is damaging my consumer report and hindering me from getting additional credit.