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

I have 2 inaccuracies and unauthorized inquiries on my credit file from the same company that I have reached out and they confirmed I have no accounts with them but they continue to furnish untrue information on my credit file
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL DIFFERNT ACCOUNTS THAT DOES NIT BELONG TO ME ON MY CREDIT REPORT I HAVE SUMBITTED FTC REPORT AND DISPUTE LETTERS TOO EACH COMPANY AS WELL AS PROOF OF IDENITFACTION AND I NEVER HEARD ANYTHING BACKK ACCORDING TGO THE FCRA THESE UNVERIFED IMTES SHOULD BE REMOVED IF CANT BE VERIFED ALSO I HAVE ATTACHED MY ORIGINAL COMPLAINT WITH THIS AS WELL
Product: Credit reporting, credit repair services, or other personal consumer reports

Madam or Sir, XXXX, Experian, and XXXX are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, XXXX, Experian and XXXX. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Experian a letter disputing XXXX XXXX XXXX XXXX on my credit report. They came back and said this account was verified. I wrote them another letter XX/XX/2021 asking how the debt was verified. They stated it was verified by the company but not how it was verified. I wrote them again on XX/XX/2021 asking how was the debt verified. They wrote back again stating that it was verified but not how it was verified.
Product: Checking or savings account

XXXX XXXX checking account was denied XXXXXXXX XXXX  checking account was denied Comerica Bank checking account opened on XX/XX/XXXX closed XX/XX/XXXX called XX/XX/XXXX and had issue resolved through fraud protection
Product: Money transfer, virtual currency, or money service

Coinbase showed me a 2-day hold on an ACH when I submitted the transfer they came back telling me they are holding it for 16 days. I have tried to get an explanation for the hold and they won't share with me the reason why. I asked to be escalated to their supervisor and they have refused. I tried calling to get someone on the line and it hang up the phone when I dial the option for support. I feel that CoinBase is using deceptive practices and potentially committing some type of fraud with the fact that they are holding an ACH for less than XXXX More than the one day allowed. Because of their refusal to provide any additional information or escalate me to someone who can It furthers my fear of fraud.
Product: Student loan

I use Sallie Mae for my student loans and if I miss a payment, they call me at least once a day every day until I pay it ( and sometimes a couple days after ). I missed my payment this month, and they have been harassing me for the last week. Since Wednesday XX/XX/23, they have called me 13 times and left 5 voicemails from 4 different phone numbers ( ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX ). The attached screenshots are from this week alone. They usually skirt the line of how much they can legally harass me, but the call volume this week is excessive and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint today to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent items off my Credit File. I sent a letter on XX/XX/XXXX, requesting them to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any accounts and information not later than XXXX business days after XXXX XXXX. Ive already included this in my previous Complaints and I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to place a freeze on my SSN in 2018 due to identity theft. Did so successfully with XXXX   and XXXX, however Experian was unresponsive. I wasn't able to pull a credit report from Experian either. Now trying to refinance our home and was able to remove the freeze from XXXX  and XXXX. However, our lender says they need access to my credit via Experian. Experian website doesn't recognize my SSN and I can not get a live person to answer the phone. 

Experian is HORRIBLE. With identify theft continuing to be on the rise, a live person should be available during regular business hours. As a result, our refi has to be completely re-written and my name taken off of the mortgage.
Product: Checking or savings account

They incorrectly charged overdraft fees on debit withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent multiple times. When trying to access or deposit larger amounts of money ( ex : {$5000.00} ) my money was frozen or denied access for deposit without me giving them the purpose of how I was using my own money, this example was approximately XXXX to XXXX of XXXX. On multiple occassions, the same debit/credit withdrawal was withdrawn duplicate times at once causing overdrafts in my accounts/and multiple overdraft fees that then caused negative account balance to be greater and bills that auto-deduct coming out caused more overdraft fees.
Product: Credit reporting or other personal consumer reports

I am writing and sending this complaint with absolute certainty and extreme frustration, It has been so long that I have been trying to communicate these errors to no avail. 
There are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Product: Checking or savings account

My daughter who is a XXXX, had three fake deposits into her checking and savings accounts ( totaling {$3000.00} ) and XXXX {$250.00} payment to XXXX out of her checking. We brought this to XXXX right after it happened and worked with a personal banker to close out those accounts. The fraudulent check copies were sent to us and when we tried to go in an open a new account for my daughter they said she can no longer bank with XXXX. The letter also said that this closure may be reported to one or more credit agencies and could impact her ability to open future financial accounts. I have been with XXXX for decades and am very unhappy. They refused to send me a case file or email with all the particulars of this event. My daughter also got a threatening text saying she had to send money or be assaulted. We showed and emailed all this to XXXX. They said there is nothing they can do and say the deposits came from her mobile phone. They did not. If she or i was trying to be fraudulent why would I tell them right after it happened and work to close the accounts and provide information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute a public record bankruptcy off my credit report with Equifax about 30 plus times with the proper paperwork still won't deleted someone bankruptcy off my credit file they are in violation if my rights Equifax has remove the man name but not his bankruptcy back in XXXX of 2018
Product: Credit card

On XX/XX/XXXX XXXX XXXX pulled a hard inquiry on my XXXX XXXX that was not authorized by me. 

Then again on XX/XX/XXXX Capital one pulled another additional hard inquiry on my XXXX XXXX again not authorized by me- spoke to agent from capital Id XXXX on Wed XX/XX/XXXX name of agent : XXXX says denied due to fraud and updated the credit bureaus.
Product: Credit reporting

XXXX XXXX Account # XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported on all of my XXXX credit reports. However, these are not my accounts and I am listed as an authorized user. I have never signed up to be an authorized user and I want these accounts to be removed from my credit reports. I have never had or used any of these cards.
Product: Mortgage

Consumer Financial Protection Bureau ( XXXX ( XXXX ) XX/XX/XXXX Complaint : XXXX XXXX XXXX Wells Fargo Bank Its Successors and or/Assigns XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX WELLS FARGO BANK- XXXX XXXX XXXX WELLS FARGO BANK HAS IGNORED ALL RECORDED TELEPHONE CONVERSATIONS, AND FOLLOW-Up CORRESPONDENCES REGARDING MATTER OF LENDER PLACED INSURANCE OBLIGATION since XX/XX/XXXX ; including emails ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ) which I have kept record copy of all calls and documentation, including copy confirmed faxed from the local XXXX XXXX Branch # XXXX XXXX XX/XX/XXXX. 


Wells Fargo Bank has failed to provide credit for overcharges made to my account for the XXXX ( Lender Placed XXXX Insurance ) premium and policy coverage imposed for amount greater than my outstanding principal loan balance of ( {$21000.00} - XX/XX/XXXX ). 


No amount of XXXX insurance coverage was agreed to or otherwise authorized by me at any time for any coverage more than minimum obligation per loan contract- as written in the AGREED TERMS OF MY LOAN DOCUMENTS- Page XXXX Home Equity Closing Handbook ( effective XX/XX/XXXX ).
Product: Debt collection

I checked my credit and found that this company had me in collections. I contacted the company and they told me they sent a letter to collect the debt and XXXX XXXX did also. I didnt receive the letter or I would have taken care of it. I offered to pay in full over the phone as long as they took it off my credit but they refused.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccuracies in my credit report. Upon reviewing my report, I identified multiple errors, which I request you to investigate and correct. Below are the issues : XXXX. Incorrect Addresses Listed on My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of these addresses are associated with me. Please remove them from my credit report.

2. Incorrect Social Security Number : The Social Security number listed on my report ( XXXX ) is incorrect. Please update it to match my actual Social Security number, which I have provided in the attached documentation. 

XXXX. Unauthorized Inquiries : There are unauthorized credit inquiries on my report that I did not authorize. Please investigate and remove these inquiries. 


Supporting Documentation : Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these issues and correct my credit report. Please provide me with written confirmation of your findings and any corrections made within 30 days. 

If you require further clarification, you can reach me at the address, phone numbers, or email provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Company : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX VA XXXX RE : Last 4 of Account XXXX Original Creditor : XXXX Amount : {$1500.00} XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX I have communicated on numerous occasions via XXXX and email indicating " Cease and Desist '' all debt collection and payments. Debtor qualified for " Hardship. '' Due to being on SSDI limited income.

Agency continues to threaten taken payments after communicating to stop payment and forwarding 1099. Have spoken to them verbally as late as of XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. Im trying to advance in my life by getting a house and car to provide for my children.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. As listed below. 
XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : XXXX XXXX XXXX Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without written instructions.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report, I notice several inaccuracies. I am requesting for a full investigation of the account listed below to make sure this account is accurate. It is my right as a consumer to request such action under the FCRA. 

XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Consumer of the FCRA and FDCPA I have notice quite a few Violations on my Consumer report that is being reported from the following agencies ; EXPERIAN, XXXX and XXXX. It goes from Violations of Right to Privacy, Identity Theft, Billing Errors, Permissible Purpose. The list goes on. I have never given anyone Consent to furnish anything on my consumer report. And I DEMAND all Accounts/ Inquiries that I am disputing be remove IMMEDIATELY. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I spoke with a lady at titlemax at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, over the phone ( XXXX XXXX ) she told me to come in they dnt check credit. When I arrive another lady ( XXXX XXXX ) greeted me and began to collect my information ( still hasnt notified me she checking my credit ) after collecting all my information she stared at her computer for a few moments then printed out a paper that clearly stated my credit was checked. Then began to speak to me as if Im dumb, they dnt tell us why you are denied they just tell us youre denied and gave me the paper. I was clearly denied because of low credit score, I would of never came in if the First Lady wouldnt of lied to me telling me they do not check credit, now I have to have that inquiry on my credit report for 30 days, its not right and not fair. Then when I call back to confront the situation the XXXX lady tried to still say they dnt run credit, then once she realized im not dumb she then tell me we run credit to verify your identity this was a terrible experience they are lying to ppl to get the in the office, again a waste of time because if they was checking credit would of never went to titlemax.
Product: Credit reporting or other personal consumer reports

Chase cards flex, Amazon, XXXX. And debt cards. XXXX  XXXX two cards. XXXX XXXX. XXXX XXXX  XXXX  and XXXX  XXXX XXXX card. I have called these companies and explained my my ID was stolen and I didn't make all of the charges. They said I'm lying and need to pay my bills. Most of the accounts were getting hacked by a XXXX XXXX account which I have never done any business with in my life. I filed a report with the Ftc XXXX. In XXXX. Never heard a thing back. Had close to 800 credit XXXX now in lower 400 range. I'm not going to pay a dime to these credit cards. That I did not run the credit up on. Thank you for your help
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Paypal responded to XXXX complaint : XXXX. 

They stated : " PayPal released your remaining balance of {$1400.00} after the 180-day timeframe expired on XX/XX/2021. 
You are able to log in and withdraw your Account balance at your convenience. '' However this is completely false. I have logged in tried to withdraw the funds by check in the mail and instant transfer the only 2 ways to withdraw funds and they are still blocked.
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 confidentially under 15 USC 1681. 

Account : # XXXX Account : # XXXX Account : # XXXX Account : # XXXX Account : # XXXX has violated my rights. 

15 U>S>C 1681 section 602 A. States i have rights 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 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 the information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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: Debt collection

XX/XX/2017 I received a medical debt from Medical Business Bureau was placed on my credit. They have not been able to validate that this debt belongs to me. Under the FCRA, I am required to seek validation with a document bearing my signature and this has not been provided to me. 

This debt was already removed from XXXX  and XXXX, I am requesting it to be removed from my XXXX  report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company  2 lett ers asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with  XXXX  and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.
Product: Credit card or prepaid card

My balance as of XX/XX/XXXX was approximately XXXX. I made a {$740.00} payment that published on XX/XX/XXXX. I could not see the reduction in my total owed on my credit card and the amount owed is now over XXXX. I called on XX/XX/XXXX and asked for a detailed description of my credit card statement showing the increase and decrease balance based on each purchase, payment, and fees and was told that I can't get it. I can only look at my last months statement balance and add up and subtract each transaction using a calculator. I don't get balance statements in the mail and you can not see total balance per month online. I want a monthly statement showing my accrual and reduction of my balance based on each transaction so I can better understand what is happening. I feel like this practice creates a huge blind spot for consumers that encourages fraud and nefarious practices by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

People are using my social security number to apply for loans .. credit cards. XX/XX/XXXX. I did not apply for loan or credit card with JPMCBcredit services. Someone applied on XX/XX/XXXX. They have my SS number and name. Someone also tried with XXXX XXXX XXXX. A personal loan 2 months ago. I tried to put a freeze on my SS number. XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My account has been frozen for over a week now I contacted you guys and they unfroze my account last night I tried to transfer my funds to a safe secure account of mines because I dont need any dealings with them anymore and when I clicked transfer they FROZE me account AGAIN for absolutely NO REASON they are holding my funds HOSTAGE and I NEED ACCESS TO THESE FUNDS ASAP!
Product: Student loan

I consolidated my XXXXXXXX XXXX loan- verified on XXXX data. Mohela lists my my XXXX loans not consolidated. They had placed me in a XXXX  The consolidation was not completed. I consolidated again tonight. Mohela XXXX has incorrect information, payment information as of today. I did get a bill with different information ( lower payment ) than the online account. It is impossible to get anyone on the phone. My bill date XX/XX/XXXX due XX/XX/XXXX is XXXX XXXX Mohela continues to list XXXX I pay my XXXX loans on time. Had I not noticed this I may miss out on the XXXX XXXX  adjustment as my loans should have been consolidated and my account billing is incorrect. I would appreciate it if Mohela sent billing statements reflective of my account and corrected online account information as it is very confusing. My consolidation should not be messed up a second time.
Product: Credit reporting

Georgia State Tax Lien was placed on my Equifax credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Equifax but the refuse to remove the lien.
Product: Credit reporting or other personal consumer reports

I was completely caught off guard today when I saw false accounts on my credit report, and I honestly dont know why. I monitor my credit regularly, but suddenly, these discrepancies showed up out of nowhere. I thought it might be a browser glitch, so I refreshed it, but the mistakes remained. I really need those documents I submitted to be carefully examined, so this never happens again.
Product: Credit card or prepaid card

Unrequested VISA debit card sent by US Bank Relia Card. Call load very heavy on US Bank to get card canceled. This is a case of fraud as I am not unemployed.