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

I have a plethora of unauthorized inquires hard and soft from this agency. Dates starting XXXX, there are multiple that were done just in one month. I have several dating back from XXXX even XXXX. These inquires were not authorized or verified to be authourized by me especially the ridiculous amount of times it was inquired. These inquires whether hard are soft are damaging to my credit profile while being inaccurate and unauthorized. I was not made aware even by two of the three bureaus whom has the most from this agency.
Product: Money transfer, virtual currency, or money service

Someone has changed the password and then the administrator settings in all of my cash app and robinhood accounts. They have ordered debit cards in both accounts. I received 2 cards at my residence which alerted me to the fact that they are compromised. When I try to contact support at either of the companies Im treated like the hacker. Not only that but Im receiving XXXX  XXXX XXXX account alerts and XXXX accounts alerts for deposit and account balances. I do not have accounts with anyone except XXXX XXXX XXXX XXXX XXXX. I also cant get into anything online anymore. I have had 3 phone insurance packages sent to my home for lines and numbers that I dont own. Ive changed cell phone service twice and now have a line on plan through my mother. Ive been trying to get this reported for months and havent had any luck going through the Internet. Tried to report to the local police. They think Im XXXX XXXX. Not the case. I need to provide my evidence to a person. Also I have screen shots of the embedded script in the previous phone to which they are using as a method of discovery to see my personal information. In action To the irs sending letters stating my identity is compromised and needs to be proven
Product: Money transfer, virtual currency, or money service

I have account with COINBASE for BITCOIN purchase and have invested about {$250000.00} and must have grown My account was working till XXXX XXXX and stopped working My 2 step Authenticator is not working I sent them multiple e mails and still COINBASE is not helping me to recover my account Will need recovery of my account Thanks
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT!!!! First Progress Bank
did not provide the transaction details of the alleged charges made on the account before closing in XXXX of 2022.

Willfully ignoring my simple request.

Dates, time, amounts of changed, and business name that processed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report for a payday loan through MIDWEST RECOVERY SYSTEMS. This collection account was put on my credit report on XX/XX/XXXX, although I have never had a payday loan on my credit report. The collection agency states the account was closed in XXXX in my name. I have never had a payday loan and do not even know how they operate. I tried to dispute it with the collection agency and they say there is no way they I can contact XXXX XXXX because the account was closed in XXXX. I have NEVER received any bills from either MIDWEST RECOVERY SYSTEMS or XXXX XXXX Their is just a random collection sitting on my credit report. I have a 100 % payment history that spans 10 years and this is a major issue I want resolved quickly. Their number is ( XXXX ) XXXX BTW, this is what the " address '' of XXXX XXXX  looks like XXXX : XXXX? XXXX & XXXX! XXXX! XXXX! XXXX! XXXX % XXXX, XXXX % XXXX? XXXX % XXXX! XXXX & XXXX! XXXX! XXXX & XXXX & XXXX
Product: Credit reporting

From XXXX XXXX, 2016, through XXXX/XXXX/2016 I have contacted Equifax 4 times, by certified mail. Each time I have reported information concerning XXXX credit accounts that were fraudulently obtained, using my personal information. While XXXX, XXXX and XXXX immediately corrected the false data, Equifax has now failed for 60 days to comply with my requests. It appears to have initiated no investigation. It appears to fail to acknowledge information submitted to it by the defrauded credit grantors. ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, and XXXX Bank. )
Product: Credit card

I paid off a secured credit card & the rep advised they would not refund the deposit of {$840.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has not responded to my disputes that were sent certified mail over 40 days ago.
Product: Consumer Loan

I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/14 in the amount of {$800.00}. They have debited {$130.00} twice a month since. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I did n't realize I would be paying so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.
Product: Debt collection

Sometime around XX/XX/XXXX 2017 I XXXX my XXXX XXXX. I went to urgent care, and received a medical bill from XXXX XXXX XXXX XXXX XXXX totaling {$1100.00}. During the time, I went through financial hardships, and I didn't receive enough information to confirm that I had the debt under my name until it showed up as a derogatory mark on my credit report.
Product: Student loan

I submitted an IDR and consolidation application on Saturday XX/XX/XXXX. I did not get any confirmation from Nelnet regarding the status or receipt of the application ( s ). My federal student loan account on studentaid.gov shows they are processing with the servicer ( Nelnet ). According to everything I have read about applying for IDR plans, my account should be in forbearance until the application is processed ; " administrative forbearance '' according to consumerfinance.gov. As of XX/XX/XXXX PM, my account on Nelnet is marked as " past due '', and I have waited on hold on the phone for 4 hours total today ( XX/XX/XXXX ). I have not gotten to talk to anyone regarding this situation and if they indeed get the applications and why my account is not in forbearance. Email concerns directed me to the website, which does not have personal account answers. Each time I was on hold, my call was disconnected. I need this information before my " past due '' account effects my credit score.
Product: Checking or savings account

This is in reference to Case No. XXXX. 

Capital One is still not verifying my number and their excuse is " it takes time. '' Since I first changed my number 4 months ago and again on the XXXX of this month my credit has dropped XXXX points. I have been evicted, lost my car, almost lost my job, had two accounts go into collections, and I am 4 months behind on bills. Every time I call I have to use a system that constantly freezes to verify myself. Then they told me I could not close my account until my number is verified. I got so fed up that yesterday I called and had an account added to my checking account so I can transfer my funds to another bank. God only knows how long this will take putting me further behind and destroying my credit more. I am so fed up. I will NEVER do business with this corrupt and lazy bank ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

I have submitted the documents to the credit collection agency. These are now showing up again through a different agency as of recent. These accounts were reported as fraud during the years of XXXX. I have also submitted a police report to the companies. Along with attached documents Ive submitted on this website. I have tried reaching out to XXXX and XXXX in regard to this matter. 
XXXX XXXX XXXX XXXX - XXXX : XX/XX/XXXX XXXX {$2000.00} Closed XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Amount : {$1500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Amount : {$1300.00}. 

I have reached out to all the agencies and tried to explain I have submitted disputes for years now along with police reports. They need to be removed immediately. They are hindering my credit and keep harassing me knowing that my identity was stolen in XXXX.
Product: Checking or savings account

XX/XX/2018 I had a transaction through the XXXX option of my Citibank app for {$250.00} USD for a cellphone from a website called XXXX XXXX XXXX which is now down for maintenance. I ordered the device it was supposed to be received on that same day by their courier. Never was received due to high volume of orders and will be delivered or XXXX pick up whichever I decided on. I decided to schedule a XXXX pickup and never was emailed back to proceed the option. I decided to dispute this. I called the number it says call rejected. I emailed them and got a response with an email back saying it will be refunded at XXXX PST I never received the funds and called my bank after I couldnt contact the company of the cellphone anymore. The website says for question or information email XXXX so I emailed them and no response. So thats when I called my bank again and they said I had to fix this with the company which I did mention to them is not corresponding to my issue. Citibank did not help at all to retrieve my funds back after a fraudulent activity towards a promise to refund.
Product: Bank account or service

I opened a paypal account in 2003. Since the period, paypal has updated its terms of service frequently with extreme anti-seller provisions, without any acceptable disclosure, and without my permission/consent per the e-sign act. I recently became aware that in some cases, these clauses include provisions stipulating that I have to sue them in a court in XXXX, that I have to give sellers 180 days returns, waive my rights to representation with card issues, and that they have the right to charge me money and forward my information to 3rd parties even after I have closed my account with them. I believe the way they operate is not ethical. 

After learning of these changes, recently I closed my paypal account. However, even after closing it- they still attempted to represent me to a card issuer, force determinations, and charge me fees due to a dispute with a buyer for a prior transaction. 

Paypal has a reputation for being extremely one-sided to the buyer in the case of dispute resolution. In this case, even thou I was entitled to " sellers protection '' they violated their own written policies by finding in favor of the buyer even thou I had provided them with ample evidence that no refund was due to the buyer and that their determination was contradictory to their own stated policies- and they have since given me a negative account balance and threatened to send me to collections. 

I would appreciate the CFPB 's help in resolving this matter with paypal.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We received a letter in the mail stating that we owe {$290.00} on our XXXX XXXX bill. The letter was addressed to " current resident '' and had what seemed to be an intentionally vague invoice page that included 11 transactions for service date XX/XX/2014. No other information provided. We confirmed with XXXX XXXX that our account is up to date with no existing balance. This process seems like a scam that preys on people 's fear of collection agencies.
Product: Student loan

25 years later I 'm still fighting a losing battle with my student loan. I am making the minimum payment it 's all in an effort but because of the interest my loan stays the same every month every year. I am on a student loan treadmill XXXX of which the loan will never be paid off most of the payment is going towards interest how is this legal? I really think we need to look at the student situation in this country and make some changes the interest rate should be kept very low for both subsidizing unsubsidized loan my current loan is 9 % on the {$13000.00} balance which is more than it was 25 years ago today. XXXX have mercy, I am sure I 'm not the only person in the situation, please do something are there any plans to change this or help with for people like myself or tax abiding citizens who do not work in the public sector? Please help this is making me in the American people poor in America and banks very rich.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and EXPERIAN the credit companies are not complying with their own policies in a timely manner.
Product: Credit card or prepaid card

XX/XX/2019 XXXX XXXX XXXX  Tried to dispute the charges of XXXX to credit card company I was never given any products or services from XXXX XXXX XXXX
Product: Debt collection

Credit report states that account was open XX/XX/2018. The status of the account says it is still open. I have no knowledge of this account and no knowledge of the collection company " COAST PROFESSIONAL ". I never received any notice through mail, email, or phone about this debt. I would like to address this immediately and ideally, have the negative remark removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both XXXX XXXX  and XXXX  and have spoken on the phone with agents from each company more than 5 separate times. I have made on time payments for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX XXXX continues to report failed or missed payments for XXXX, XXXX and XX/XX/2022. XXXX is now reflecting as on time but I still need XXXX, XXXX and XXXX updated. The agents I have spoken with in the past have told me to wait until the new month and all would be reported correctly but I have now waited 2 months with no resolution. I reached out to XXXX XXXX via their website chat and was told to open a dispute with TransUnion, I created a dispute with Transunion twice and the payments are still reflecting as late for XXXX and XX/XX/2022. I am looking to buy a home soon and need this resolved as soon as possible.
Product: Checking or savings account

I opened my citibank accelerate saving account on XX/XX/2022, using their promotional offer, which saying that deposit {$50000.00} or more within the 20 days of opening the account and maintain for 60 days could get {$450.00} bonus. After I opened the account, I funded my account {$50000.00} by XX/XX/2022, and then I received the email from citibank on XX/XX/2022 saying that " Thank you for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer '', which I have attached below. I suppose this email indicates that I am already enrolled in this offer which is in conjunction with my account ( the account number matches in their email ). But until today I didn't receive the {$450.00} bonus, I have called citibank on XX/XX/2022 and they opened a case for me XXXX, after their investigation they said that my account is not qualified for this offer. I suppose this is a misleading and deceptive behavior from citibank. I have uploaded the resolution letter from them, the file that saying my account is qualified for this offer and the statement showing that I have met all the requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting.
Product: Credit reporting or other personal consumer reports

I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. Racial Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. TRANSUNION IS ONLY TREATING ME THIS WAY BECAUSE XXXX XXXX IGNORING MY REQUESTS AND DISREGARD FOR CONGRESSIONAL FINDINGS AND THE HNITED STATES CONSTITUTION ITS A XXXX DISGRACE AND IF SOMETHING IS NOT XXXX DONE ABOUT THIS IMMEDIATELY EXTREME MEASURES WILL BE TAKEN!
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Mortgage

In 2011, I was having difficulty making my mortgage payment. I tried several times to get a loan modification with Wells Fargo but was unsuccessful. I eventually ended up selling the house through the foreclosure process.