23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$190.00}
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 I proceeded to log into my new Coinbase account and found that my assets were absconded. The account shows several transactions on XX/XX/2023 at XXXX through XXXX that I did not perform nor authorize. See attached supported documents, Coinbase states my assets were successfully and securely transferred into my Coinbase account by them. 
I contacted Coinbase on XX/XX/2023 and filed a complaint. Their case # XXXX. Following up with Coinbase, I was told by Coinbase the following " I recommend attempting to recover the funds from the recipient by reaching out to them and requesting their help. '' I completed all procedures that they requested including a filing a police report in XXXX Georgia # XXXX. Scanning my devices with antivirus software did not show any hacking. I was then able to finally log back into my account to continue my reporting to Coinbase that my assets were still missing. To this day, Coinbase continues to state that transfers are irreversible. Coinbase was the guardian of my assets and they are not as safe and secure as they state. I respectfully request support in retrieving the assets from Coinbase as I feel they are fully responsible. They have the knowledge and where with all to track and see where my assets went. Please advise, your help in this matter is greatly appreciated. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I recieved an email at XXXX that my account was overdrawn by an {$8.00} and change XXXX. Given that I work next door to my PNC branch, I walked over and at XXXX attempted to deposit the amount. The account was over {$50.00} overdrawn with fees. The teller refused to assist with the charges, despite my immediate response- telling me that she as a branch employee did not have the authority to assist with these issues. I was unable to reach a representative over the phone.
Product: Checking or savings account

On XX/XX/23 I used Bank of America atm id # XXXX to withdraw {$900.00} yes the machine disburse the money but my nails are long and the machine didn't push it out far enough for me to grab it off the disburser my nails pushed the money off the dispenser inside the machine so I was unable to get it because the dispenser door had closed so I waited 10 minutes to see if it was gon na reissue it but the machine went our of order and said unable to dispense cash I reported it to Bank of America they only took a complaint and told me to call my bank which is XXXX XXXX XXXX XXXX they filed a claim with Bank of America but the findings came back saying the cash was disburse yes it was but I was telling to to pull the camera and they could see I never received the money. So I really need this matter looked upon .Thank you
Product: Vehicle loan or lease

On XX/XX/23 I made a payment of {$650.00} towards my car loan with Fifth Third Bank, from a XXXX checking account containing {$2800.00} on the day of the payment. The payment posted and according to Fifth Third 's site everything was fine. On XX/XX/23 the payment was reversed without notifying me. I found out on XX/XX/23 when I received an email saying only " Your account needs attention ''. 

I contacted Fifth Third and was told the payment was rejected by XXXX, I was told that usually means insufficient funds. They said there was nothing they could do and to try again with a different account. The initial XXXX payment attempt doesn't even show up in all of the screens in my online account. However at no point did my XXXX account contain less than the amount of the loan payment. From what I'm able to see in my XXXX accounts/alerts there was never an attempt to withdrawal the payment by Fifth Third. I had even checked the day after the payment supposedly posted and there was no withdrawal from my XXXX account. If the account information was correct, as I believe it was, and XXXX truly rejected the payment then I received nothing at all in any form from XXXX on the matter. 

Some quick research tells me this kind of issue is common with Fifth Third and I am very disappointed that something like this can happen at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX And for the pass six months Ive been sending letters to the credit bureaus letting them know that there is in accurate incomplete information on my credit file that they refused to delete. So now I am reaching out to the CFPB in hopes of getting some help with getting these items delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I have filed with cfpb. The first was filed on XX/XX/19 and closed on XX/XX/19, which is not long enough to conduct an investigation. They should not be allowed to just close an investigation at their whim. Please hold them accountable. I have tried to have two accounts investigated by all 3 credit bureaus. An account with XXXX XXXX Bank and XXXX XXXX XXXX. I have tried to get documentation from the companies and from the bureaus. Showing a signed document for the accounts they are stating are mine. I have not received any supporting documents from any of them. I received a letter from XXXX XXXX Bank saying they no longer have the debt and could not provide any documentation proving I owed a debt. They told me I needed to contact a collection agency XXXX XXXX XXXX. I contacted them, and they also could produce no documentation. I have uploaded letters and communications. Both XXXX and XXXX have done their job and removed the accounts because there is no documentation. Transunion needs to do theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Bank account or service

On XXXX/XXXX/XXXX I contacted Chase Bank and inquired about the status of my accounts. Upon being transferred to a XXXX at Chase Bank Card Services, I was informed that my accounts where closed because I was not using that account as intended. When I asked to elaborate, her reply was that my account was closed because I have added and removed authorized users and that Chase assumed that because of this I was not using the account as intend. I asked her how and who assumed this? She would not give further information and just stated that I will receive a letter in the mail. I asked her how can they just close my accounts when in fact I have had these account sine XXXX and never had a issue? I informed her that I was following the instructions given to me when I called in the past. As matter of a fact they said that I can have as many authorized users as I want. Even when I explained this she plainly fail to regard me and just blew off as if that 's it and moved on. Chase never gave me instructions and ways of how to use the authorzied user program. They just said that I could add and remove as many as I want. I requested to speak to a supervisor and she refused to transfer me and stated that there was n't any supervisor on the floor. That I will get a call from them. I instructed her that I was filing a complaint with the CFPB and that I was reporting the ill action.
Product: Credit reporting, credit repair services, or other personal consumer reports

iaccordance 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 had two line of credits, its showing as a hard inquiries. I got the credits lines to build my credit but somebody told me I didn't need to have two credit lines to build my credit so I closed them out. I never even used the lines of credits. now I'm stuck with a hard inquire that wont seem to go away and its been almost 3 years now. i was young and trying to build credit but in the long process it hurt me because I closed them out.
Product: Student loan

My PEAKS loan ( 1st Associates collects on the loan ) is in default. I have made an agreement to pay {$80.00} a month but havent been able to due to other debts. Now that I have cleared smaller debts I 've attempted to keep good on my word and make my first payment. Instead of talking to someone I attempted to pay online with my debt card. That option was unavilible for me. Next I tried calling in and paying over the phone. After putting in my information I was " directed to a customer service rep '' 3 times but instead of talking to anyone I was sent to the main menu. 

I defaulted on my loans due to unemployment and only recently found a job. Had PEAKS or 1st Associated helpped me when I was unemployed and not just during my grace period I may not of defaulted. This is my 2nd complaint reguarding this company. I still till this day do not know who owns this debt and am frustrated when attempted. I do not want my wages garnishedI just want to bring my account current and stick to the $ XXXX monthly plan we agreed on. Not be fooled with when I attempt to pay or get the run around. I dont need a rep telling me what I owe. I already know! I want to and need to pay what I can and pay it either other phone through the automated system or online. I called twice on XXXX XXXX around XXXX CA time. I dont have a check book and will not be sending checks. Using my debt card is far more convient and prevents the hassle of waiting on an echeck or on pending fund being pulled from my bank account.
Product: Credit reporting

I paid off a fee owed to my bank last year and its shown up on my credit report as " open ''. I 've checked with the bank, and i 'm squared away. They 're not sure why it 's on my credit report and I 'm not sure why either. I 'm worried this has affected my credit score. Please help, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXX XXXX XXXX -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX  -updated balance and never deleted like they said they agreed to do.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.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.
Product: Credit reporting or other personal consumer reports

My information was included in the Equifax data breach. While reviewing report, I reviewed several inaccuracies and reporting errors. I have contacted each reporting agency to correct what has been reported inaccurately or fraudulently as this is a hindrance on my life and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the douments that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be cerified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Mortgage

My mortgage was transferred from  XXXX  to Nationstar mortgage on  XXXX   XXXX  , 2017.   XXXX  says payments they receive from their former customers will be forwarded to Nationstar mortgage for 90 day s. Nationstar 's w eb site says that payments will only be forwarded for 60 days. Which is correct? Is this a way fo r Nationstar to i gnore customer payments sent from  XXXX ? Please clarify.
Product: Credit reporting or other personal consumer reports

Bank 's response of XX/XX/XXXX, did not address the issue of my complaint but fraudulently claimed that information was not " eligible '' which questions then why their fax can not get proper quality of documents faxed???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these inquiries i am unfamiliar with because i never used my credit to apply for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX Account with balance incurred, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Product: Credit reporting or other personal consumer reports

I recently examined my credit report and found a large number of inquiries that I did not authorize. They are as follows : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Bank Of America prepaid is a complete fraud! I made two disputes because I didnt realize there were more charges from the same company that was fraudulently taking money out of my account. My first dispute was resolved in my favor, and then the second one was denied. How is that even possible? Because it was for a larger amount that they didnt want to pay? It was from the same exactly company that they found was in my favor for the first dispute. I am now in the process of a 45 day review to look at the decision. This is ridiculous!!!! I want my money back!!!! Look into the situation like you are paid to do, otherwise I will be taking steps further to ensure this gets resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

called XXXX to lift my credit freeze for a mortgage loan credit check and was unable to log on with my user name and password that worked the first week of XX/XX/XXXX. called the help line number on the log in page and it took over 10 minutes to navagate the phone tree and it hung up on me several times trying to verify me but i finally got in to talk to a rep. the first lady was hard to understand and she was again trying to verify my accounts before she could help. got to the last step and she asked about a balance on my credit card and it told her XXXX but she kept saying back XXXX cents and then said since i could not verify the dollar amount she hung up. then i called again and had the same experience with that lady and the language barrier so i asked her for her name or employee id number and she would not give it to me so told me to transfer me to a manager and she hung up on me. contact info is required by law i believe ... 
called again and got another person who would not transfer me to a manager and tried every way to not do it. i kept asking for her name or employee ID and she would not give it to me so i asked for a manager and she actually transferred me. the manager verified my account info and helped me but i told her i wanted to file a complaint against the first two people and she did not know who they are even though they were both into my account and i know they have to track that access as required by law. so she was hiding that fact and that is why i am submitting my complaint to you.
Product: Credit reporting or other personal consumer reports

I did not authorize company to run my credit this is fraudulent 15US CODE 1681c2
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to Experian on XX/XX/2019. Included were 4 accounts that needed to be updated or removed. This was a follow up letter for my initial request for validation of debt that was also ignored by Experian. This investigation was originally started XX/XX/2019 and additional time has been given to allow the bureau to complete its investigation. The items are clearly not reporting correctly or a response to the dispute would have been issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00}
Product: Mortgage

In XXXX of 2020, I applied for a loan modification due to problems with income. Then COVID 19 hit. I thought this lender would continue to work on my file, which they stated they are. It is now 11 months, and I have not received ANYTHING about my loan modification. I am under COVID 19 plan, however, this is due to the fact my home is in foreclosure, and I need to have some type of protection. 
In the mean time my balance keeps increasing. You can not get through to them on the telephone. It is up to the bank to hire adequate staffing for clients. You will only get a machine, and then it states a recording and hangs up on you. 
I have no answer on my loan modification request sent in XXXX of 2020. My loan is in foreclosure. I have no way to contact or communicate with them. They changed their portal and my user id/log in does not work, and of course, impossible to speak with someone. 
Finally, I sent them an email, and am waiting for a reply. I doubt I will get one. Please help me.
Product: Credit reporting

I applied for a XXXX XXXX XXXX XXXX Credit card and was denied. I received a letter dtd XXXX/XXXX/2016 stating the reasons for my denial was based on deliberate and egregiously inaccurate information provided by XXXX XXXX/XXXX. First they claimed by credit score was XXXX which is a complete fabrication, as my Credit score is actually XXXX from both XXXX and XXXX. Inadditon they provided Misleading information on my length of stay at my current home address, along with the fact that I had insufficient number of credit references and had limited deposits on file with XXXX XXXX XXXX. All information they deliberated fabricated was completely false, misleading, not even remotely accurate. It has cost me a significant saving on the purchase I was making at the time along with expenses of sending certified letters to the XXXX, the Credit Card agency and XXXX. As a reporting agency they failed to validate the information before denial or sending it to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX. Two days later, my husband met with the same car salesman ( XXXX ) in search of a used truck. After running his credit, it became clear that his payments would be incredibly high due to his poor credit score. Someone, either my husband or the car salesman, suggested having me as a co-signer in order to reduce the amount of the monthly payment. Please keep in mind that I was not present and did NOT provide any authorization. Allegedly, my husband told the salesman that he was interested in running the numbers IF it did not require any additional inquiries into my credit. Supposedly, the salesmen informed my husband that my credit information was already on file so there would be no need to run it again. However, this turned out to be untrue because I was unpleasantly surprised to discover 17 hard inquiries on my credit report. XXXX XXXX of XXXX refused to correct this error on their part, stating that it would be my responsibility to contact each individual bank to request an investigation. That would amount to hours of phone calls and months of waiting. I called the credit bureaus and was provided the same answer. That I would need to contact each bank individually. I did absolutely nothing wrong here. I was clearly taken advantage of and nobody is taking ownership of this wrongdoing. My credit score is very important to me. Please, can you help correct this issue.