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

Please delete the following hard inquiries from my credit report, as they were conducted in violation of 15 USC 1681b. I have not authorized these inquiries, and they should be removed promptly to correct my credit report. 

Hard Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

So I have to complain about coinbase.com / XXXX transaction. On XXXX XXXX I transferred some money ( about {$2000.00} ) from my account at coinbase to my XXXX XXXX XXXX account. It was supposed to be deposited and available for me on XXXX XXXX. But money did not show up. Coinbase transaction shows as completed while the history of transactions on their won site shows that its " pending ''. Which one is true? Further, I contacted customer service via their customer portal on XXXX. There is no response, not money. Being a monetary service I expect coinbase to keep the word and make the amount available. Keeping their customers waiting indefinitely without any chance of getting customer support is despicable.
Product: Credit reporting or other personal consumer reports

Credit acceptance XXXX Equifax and XXXX XXXX have violated Title 42, Section 408 ( a ) ( 8 ) of the United States Code ( USC ) by publicly using my social security number publicly in concert attempting to deprive me of my right to free will. Further violating U.S.C title 18 section 242 color of law. Credit acceptance has lied about documentation sent to me which I have never received mostly because they are reporting a in accurate address claiming it's accurate. Also violating the false claim 31 u.s.c 3729 by false inaccurate reports all companies and agencies named in this complaint has 10 days to correct this issue or I will be seeking the United States of America federal courts for my further civil and criminal remedies. I further request that credit acceptance XXXX Equifax XXXX all send me proof of my authorization to report anything publicly. This is defamation of character and an assault on XXXX Americans.
Product: Mortgage

On XX/XX/XXXX I received a letter from my mortgage company, Select Portfolio Servicing stating they're adding PMI to my loan that I've had since XXXX XXXX. I've never had to pay PMI. 
First they add flood insurance to my loan despite a FEMA certificate showing I'm not in a flood plane and it took me more than a year of fight with Select Portfolio Servicing to remove it. Now they're adding PMI to my mortgage and my home has doubled in value. 
Select Portfolio Servicing based in XXXX XXXX XXXX, Utah, ( XXXX XXXX, UT ) XXXX ) are criminals in the mortgage business and will continue to add insurance or any fee they can from their partner companies to steal from consumers. 
They're refusing to remove the PMI which is causing a financial burden and is against the law.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year>, TRANSUNION FAILED TO PERMIT ACCESS TO MY CONSUMER REPORT. THIS HAS BEEN A RECURRING ISSUE WITH TRANSUNION PURSUANT TO FCRA VIOLATIONS THAT ARE BEING REPORTED TO CFPB AND IT APPEARS THAT TRANSUNION HAS ESTABLISHED A PATTERN OF DENYING THE CONSUMER ACCESS TO THEIR CONSUMER REPORT IMMEDIATELY FOLLOWING REQUESTS FOR FCRA COMPLIANCE BY THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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. 
XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/XXXX I was approved for an AAdvantage card to use for a flight that I was wanting to schedule. Which should have meant that they gave me temporary card information to pay for the flight with. That did not occur. Additionally I still have not received my card since that date. Meaning that I am still not able to schedule the flight with the deal that they conveyed. So the deal is broken twice, once by them not fulfilling their obligation immediately after the approval and a second time by failing to deliver the card when they said it would be delivered. This is the summary of what occurred. I will put the more detailed version below, which will likely exclude the times I called and XXXX XXXX and Citi referenced each other or other parts of their business that couldn't help me. 


XX/XX/XXXX Approved for card but wasn't given temporary call information to use to book the flight. 
I called to see why I didn't get the needed temp info, they simply said that they couldn't retrieve that information. I advised them that I needed to change the shipping address. They told me to call back in another two days and claimed that was when the card would be shipping and that the shipping address could be changed then. 

XX/XX/XXXX I call back asking to change the shipping address of the card. They advise that it shipped the day before. They cancel that card and advise that another is being mailed to the correct address and should arrive in 7 to 10 business days ( XX/XX/26 - XXXX ). 

XX/XX/XXXX I call back to see what's happening with the card and the representative advises that the card shipped on XX/XX/XXXX and that it should arrive in another 3 to 6 business days ( XX/XX/XXXX - XXXX ). When I asked about the reasons for the delay she advised that is was due to a " known internal issue '' and " system glitch ''. After this I demanded compensation, the rep put me on the phone with her supervisor who said that they would credit me XXXX additional flight miles.
Product: Credit card or prepaid card

I am a victim of identity theft pleas e remove this fraud inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently rehabbed my student loans, and XXXX  XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but 4, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX  I tried to transfer funds from my social security payment to another card from my Western Union Card netspend card but received an error notice and was told to contact Western Union Netspend customer service. I called and the first representative said I needed to verify my identity with an ID which I did. She said it did not register. She sent me another link and to do it again once again the representative claimed their system did not register my picture ID. The representative told me that I would have to call back. I called back at XXXX. The new representative whom I spoke with told me the same thing '' we need to verify your identity " Once again I sent her my NY state ID which she claims '' our system will Never accept " I asked her to explain why but she could and refused to do so. I asked to speak to a supervisor multiple times in which she refused and said none was available. She also said that I could not access my funds until I provided an ID that their system accepts because apparently it will never accept my NY state ID. I explained to the representative that this is my social security payment and that XXXX XXXX and living in a shelter with my wife and children. She said that wasn't her problem and that I could not access my ssd payment in the amount of {$700.00} something dollars and that I will lose my funds permanently due to a glitch in Western Unions " system '' because it wont take my NY state ID. This is unethical as my ssd payment is the Only income that I have and as stated before XXXX XXXX and living in a XXXX. This is organized theft and fraud. I'm requesting your assistance and reporting this company for illegal ill treatment and unethical financial practices against a XXXX individual.
Product: Debt collection

I received a collection notice from ERC stating that I owe for an XXXX XXXX XXXX account that I have never had. ERC alleges that I owe {$290.00} but that they would settle for {$110.00}. 
ERC also lists an account number that I have never had. I mailed a letter of dispute and have yet to hear back. 
I also googled ERC and XXXX XXXX XXXX collections and found that there are tons of other people that ERC is sending these same letters to for fraudulent accounts alleging that money is owned to ERC on behalf of XXXX XXXX XXXX. Many people have had to file police reports for identity theft and fraudulent claims because of ERC. 
In the letter sent to me, ERC is threatening to report this fraudulent account to the credit bureaus. I was one of the many effected by the hacking of XXXX  so I am extremely concerned that my identity has been indeed stolen, especially since I have a very common name. On the XXXX XXXX XXXX online customer forum, there are so many people that have had their credit ruined for fraudulent XXXX XXXX XXXX collections. This is very scary. I am also filing complaints with the Texas Attorney General, the XXXX   and the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have noticed discrepancies in my credit report with XXXX and TransUnion regarding the age of my credit history. While my credit report shows my credit age history as originally two years and 11 months, my oldest account is actually five years old, with another account at three years. I request that the average age of my credit accounts be updated to accurately reflect my credit history, as this discrepancy is limiting my credit score. I believe my credit age should be at least five years, or ideally 4 1/2 years, to better reflect my creditworthiness. Additionally, I started my first car loan in XXXX and closed it in XXXX, which should be reflected in my credit history. I am actively working to build my credit, and I believe this update will benefit my credit profile. Your prompt attention to this matter would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the close date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting.
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, who's studying 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 : Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I took a forbearance because my wife lost both of her jobs. When I started to make payments, Carrington mortgage sent my payments back and informed me that I needed to do a loan modification. Everyone I talked to on the phone from carrington said " no problem you are qualified for a loan modification, just wait for the paperwork to come in the mail ''. Two years of sending documents, over and over as requested, following up via email etc etc. On XX/XX/XXXX I was told they could not do a loan modification and I would have to pay XXXX to reinstate loan. They also stated I could appeal thier decision, which I did, after consulting a lawyer. My Appeal was denied. I received the loan reinstatement papers on XX/XX/XXXX, I needed to pay the XXXX on XX/XX/XXXX to reinstate loan. Got a notice of sale via text from a 3rd party in mid XXXX. Came home from work on XX/XX/XXXX to a notice on my door, letting me know that an auction for my house would be in XXXX, then another 5 days later that stated it would be in XXXX.
Product: Debt collection

PURCHASED A MICROWAVE OVEN IN FALL OF XXXX  FROM HOME DEPOT. CITIBANK HOLDS THE CREDIT DEBT FOR HOME DEPOT XX/XX/2021 PAID XXXX XX/XX/2021 PAID XXXX XX/XX/2021 PAID XXXX I did not realize I had an old Home Depot account with a XXXX balance in my bill pay and made both XXXX payments to that account. I started getting calls from Citibank for this debt back in XXXX. It was constant harrassment. I was on a cruise in the Atlantic and told them that but they continued to call several times a day. 
In XXXX I spoke with a person from Customer Service and we straightened it out, so they said and waved the late fee. 
In XXXX the harrassing calls began again. Citibank wanted 2 months late fees now. I talked to " XXXX '' in Customer Service wto stated late fees were taken off because the account was paid. I asked him to close any and all Home Depot Accounts ( the old one was supposed to have been closed in XXXX ). Now in XXXX XXXX they have started again. 
I AM XXXX WITH XXXX XXXX AND STAGE XXXX XXXX. I CAN NOT HANDLE THIS STRESS.
Product: Credit reporting or other personal consumer reports

Remove hard inquiries from my report that was not approved and reporting to my credit file
Product: Credit reporting

on XXXX its still saying i have an open collections account with a collection agency when i paid the bill in full
Product: Mortgage

BSI Financial services has failed to process multiple payments in a timely manner including for XX/XX/XXXX. They keep blaming a " delay in mail '' on this issue. I sent the XXXX payment on XXXX XXXX, XXXX and it was not processed until XX/XX/XXXX. I was on vacation when I realized the payment was going to be passed the late fee date so I called customer service ( which is always a joke to deal with ). They did nothing but tell me the mail was late. I had to call multiple times and try to stop payment on the check which I was unable to do while on vacation. A representative told me they had stopped the payment on their side, which was a lie. I then scheduled a payment so I would not get tagged with late fees. XXXX  payments then got taken out of my account, one on XX/XX/XXXX and the other on XX/XX/XXXX which caused me to incur fees from my bank. I called to complain but nothing was resolved. Now I am having to deal with them not providing me with a 1098 tax form. It was allegedly sent via mail on XX/XX/XXXX but got lost to a " delay in the mail system ''. My tax information is also not posted on their website and I am having difficulty getting them to provide it. This includes a request on XX/XX/XXXX in which I was told I could not have both a print and emailed copy sent.
Product: Credit card

I have paid a {$50.00} annual fee for my US Bank XXXX XXXX Platinum Visa Card and the cardmember benefit statement stated as one of the benefits " bonus award night exclusively for card members ''. I have now learned that this benefit is being removed from XXXX XXXX, 2015 without any fee refund or grace period to use the benefit until the anniversary of the fee having been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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: Debt collection

I am not liable for this debt with Convergent Outsourcing , Inc, I do not have a contract with Convergent Outsourcing , Inc. they did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the creditor and they are unwilling to help me and remove the soft inquiries. They claimed that i applied for an XXXX XXXX credit card when I never have applied for one and have no interest in applying for one after this happened. Please remove these soft inquiries from my TransUnion credit report. They are listed below. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i AM A VICTIM OF IDENTITYTHEFT AND NEED THE REPORTING AGENCIES TO REMOVE THESE ACCOUNTS, WITHIN FOUR DAYS OF RECEIVING MY AFFIVIDAT
Product: Credit reporting or other personal consumer reports

I am writing this letter regarding the violations against me as a consumer by this credit bureau. 15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and Experian can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information. 
Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for all the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX