23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from Transunion and XXXX. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were FOURTEEN YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted XXXX and Transunion and got their typical barrage of obfuscation and confusing emails, none of which addressed the problem. Then they simply noted the " entries were removed '' but my credit remained dinged by XXXX points. 
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down, downtrodden, and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me, this is very damaging in that it may preclude me from getting a mortgage. Worse yet, credit in this range will likely have an adverse affect on me getting a promotion. 

There is no salient documentation as my complaints were filed with Transunion and XXXX on line and I was unable to save correspondence in their website. There responses did not address, or rectify, the issue. 

Thank you.
Product: Checking or savings account

USAA allowed Unauthorized transactions to occur on my account and the bank is not doing anything about it. Also I am a victim of identity theft which was reported to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to tell me how they score my credit. I have a student loan that has been in god standing for over 3 years now last week XXXX XXXXXXXX updated my my history where 4 years ago i was 120 days late but now they changed that for year old late period to 150 days and my score dropped 89 points. Then the following week i had 2 collection accounts removed and they dropped my score 10 points. only Equifax does this and cant justify the bias actions. Equifax is corrupt and needs to be held responsible.
Product: Debt collection

I would like to first inform the CFPB & Credit Control LLC I am the properly authorized consumer, and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising rights and applying the federal laws put in place to protect me. Please see attached letter
Product: Credit card or prepaid card

An order was placed on an online website and I never received any item I filed a dispute and the dispute was never investigated deep enough. And the investigator took this situation personal .. she was not believing what happened.. asked me to resolve the issue myself and that since it was ordered from my IP address I was reliable .. she advised to file a police report I did and I sent all The paperwork she needed and still was not investigated. She even said the merchant was not providing her with any tracking number of proof that this item was mailed to me and I still was found reliable. I contacted the merchant and was advised I was going to get a refund and I ever heard back from them ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom or what this may concern, but the information on my credit report is completely inaccurate. XXXX  shows on page 4 & 5 that I don't have a credit card balance for XXXX on XXXX or XXXX. On page 6, it shows that my date of last payment was XX/XX/XXXX but the delinquency shows it started on XX/XX/XXXX ; which is contradictory, the payment history says I paid on time in XXXX. The report shows that my charge off is not present after XXXX, XXXX. XXXX  and Transunion have different information as well. Transunion shows my last payment was made on XX/XX/XXXX on page 1, but as you look on page 2 it shows a payment was made. XXXX  will not even let upload my documents for some reason. I send emails and I don't get a response. 

PS my original student loan account shows that it was paid and closed on all 3 bureaus, so the XXXX account should not even exist.
Product: Credit reporting or other personal consumer reports

Dear XXXX, i wouldn't get into full details but please review the following files below. It'll explain more further details that is needed. I am a vicitim of identity theft and i would like for this to be resolved soon as possible. This isn't fair to someone who's in college working hard to obtain a better life just to have someone steal what i am building.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


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

While reviewing my credit report I noticed these hard inquiries that I did not recognize : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Transunion
Product: Credit reporting

The XXXX XXXX Account # XXXX Please have this deleted on my report. This has been paid and I never use it again. 
Please update my records and credit score.
Product: Debt collection

Hello I have XXXX collections from hospital on my credit I should n't of been charged because I have a medical card
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX  XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHAN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Debt collection

This is fraud. Someone used my identification and used it to obtain a car. I became aware of this when I tried to go get a car and I was advised that I owed.
Product: Mortgage

In XXXX of XXXX I applied for a refinance mortgage with All Western Mortgage to take equity out of my investment property in order to purchase another investment property. I had just filed my XXXX Federal Income taxes and still owed {$35000.00} on them. All Western Mortgage required the XXXX taxes be paid so they took additional equity out in order to pay the XXXX taxes at closing. However, Allwestern gave XXXX XXXX ( title co ) the XXXX estimated tax vouchers to pay instead of having them pay the XXXX taxes. Now the IRS had penalized me an additional {$4800.00} and the threat of having a tax lien put on my property since the mortgage company told the title company to pay the wrong taxes. I reached out to the title company who sent me the chain of emails stating the mortgage co told them to pay the XXXX estimated vouchers. 
I have reached out to XXXX XXXX from All Western Mortgage, with the letter from the IRS asking for All Western Mortgage to pay the {$4800.00} in penalties and late fees for them not paying the correct taxes.
Product: Mortgage

Fulton bank continues to reverse or not register my payments within there " system '' I have been dealing with this issue for a year. It feels like they are trying to foreclose on the house or pile on late fees. The worst part is that my wife and I are financially secure. We have no problems coming up with the money to pay our mortgage. The problems with payment occur on their end. I am honestly clueless as to why the payments get reversed or register on the account but, Fulton bank still says I am past due on the website. I speak so much with the employee in charge of my account, I recognize her voice. The issues has been going on since the account was opened in XX/XX/XXXX. Judging by a Fulton bank employee 's response today, this is a recurring theme. 

It still says that I am past due on my payments from XX/XX/XXXX however, I have made consistent payments. Today I got a letter in the mail making it seem like my account is delinquent. They are either doing some shady stuff over there or just negligent incompetence. 

End of rant
Product: Credit card

Bought a {$500.00} gift visa card at XXXX. The next day someone used it remotely online for a {$500.00} XXXX  purchase. The card did not appeared to be tampered with but the card number, expiration date, and security code are in plain view so it was easy for someone to write down the information before I bought the card and use it when the card was charged. Despite dealing with Vanilla Gift Card for over a month and submitting all the information a number of times I have yet to receive a refund.
Product: Money transfer, virtual currency, or money service

There was an total of {$1500.00} of fraudulent transactions that were not authorized by me. These transactions occurred between the years of XXXX.
Product: Credit card or prepaid card

Booked hotel room using Southwest.com for three nights. Due to unhealthy conditions of the hotel, had to check out on the first night. I was charged for all three nights. Trying to get the refund for two nights. I Called the number XXXX for seven times, person picks the phone up on other side, and all representative keep repeating " Hello, Hello, i can not hear you '' and hang up. Never saw this type of scam. Can not resolved my problem. Never booking my hotel room through southwest Airline. Thanks.
Product: Credit card

I have had a Brooks Brothers credit card for a number of years. They recently switched card servicers from XXXX to Citi. I was leaving for XXXX on XXXX XXXX, 2015. I called Customer Service on XXXX XXXX to find out if there are are foreign currency transaction fees associated with the account. I was informed by the gentleman on the phone that there were none. I then told him to put a notation on my account to the effect that I 'll be using the card in XXXX for the next 4 days and it is not a fraudulent use. When I came back on Tuesday, XXXX XXXX there was voicemail on my home phone telling me to call Citi customer service or my charges would be denied. I called them despite that it was close to XXXX. The saga does n't end there. Upon checking my charges I found out that they are charging me 3 % for each foreign transaction. I called Customer service and explained but they referred me to the Card member agreement that lists foreign currency fees will be accessed against the account. 

1 ) Citi never sent me an updated card member agreement and it is not available online under my account. 
2 ) Citi provided me incorrect information when I called specifically to check if there were any foreign currency fees associated with the card. That was BEFORE I used the card overseas. 
3 ) Citi continued to try and reach me at my home number despite my call BEFORE leaving overseas and that I will be using the card overseas. 

Citi has refused to refund me the foreign currency transaction fees associated with my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX  Inquiry from XX/XX/2021 XXXX/cc Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX  Inquiry from XX/XX/2021 A report has been filed with FTC. Please remove the inquiries in this dispute Thank you for reporting identity theft to the FTC. 
This is not your temporary password. Your temporary password will come in a separate email. 
Your reference number is : XXXX I recently received a copy of my ( Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by XXXX the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship
Product: Credit reporting or other personal consumer reports

I have already sent multiple letters to TransUnion, XXXX, and XXXX requesting the removal of old, outdated, and incorrect information from my credit reports. However, none of these credit bureaus have responded to my requests or taken any action to rectify the errors. 

The inaccurate information in my credit reports could have severe consequences if a potential employer or bank were to review them. Despite providing evidence of the errors and requesting prompt deletion, the credit bureaus have failed to comply with my requests. 

It is frustrating and concerning that TransUnion, XXXX, and XXXX have neglected to address these issues, putting my financial reputation at risk. I demand immediate action to correct the inaccuracies and ensure that my credit reports reflect only accurate and up-to-date information.
Product: Debt collection

XXXX XXXX XXXX, XXXX, XX/XX/1987 This XXXX Complaint has been filed to request a pursuant to FCRA subsection 605B or 15 USC subsection 1681C2 that you, the Trans Union credit reporting agency block information appearing on my consumer credit report, that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulence, inaccurate and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows. The aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you, were not opened made or initiated by me. All of the affirmation accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint number XXXX as proof from the US federal trade commission that all of the affluential consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

" I do not recognize this collection agency, as I have never entered into any agreement to work with them. Could you please provide evidence showing that I have signed any agreement with this collection agency? '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am constantly being harassed by XXXX XXXX XXXX XXXX It all started back in 2007 when I was a struggling college student. I needed assistance paying my rent for the month plus other Bill 's. I decided to take out a loan with Cash Call. It was the biggest mistake of my life! I began making payments toward the loan the following month, but then the payments became a burden for me. I was paying more than {$200.00} per month. I stopped paying on the loan as I could no longer afford to do so. Cash Call began to harass me, constantly calling me at home and at work. A representative from Cash Call called my manager at the XXXX XXXX XXXX XXXXXXXX, my former employer, and revealed to him that I had an unpaid debt. They calle multiple phone numbers at my place of employment, and they discussed my debt with my former co-worker, XXXX XXXX. Ms. XXXX told them to stop calling, and they would not listen. She had to inform our chief, and even when he spoke to them and informed them not to call again, they totally ignored his request. It was very embarrassing and humiliating for me. I then quit the job because I could no longer face my co-workers after Cash Call consistently called and harassed my co-workers and I. Then Cash Call sold my debt to XXXX  XXXX XXXX XXXX XXXX then continued the harassment. Constantly calling me on my cell phone and my place of employment. They also threatened me with a lawsuit. They have now obtained judgment against me in the amount of {$7700.00} for a nearly 20 year old debt! And the original loan amount was for {$2600.00}, yet XXXX is suing me for almost TRIPLE the amount! It was determined by the state of California and many other states, that Cash Call was a predatory lender. There was a Class Action lawsuit in California in which consumers who just like me took out a {$2600.00} loan from Cash Call and they were able to have their debt forgiven. I should have been included in this Class Action lawsuit, but because my debt was sold my name was not included. I am no different from those who had their Cash Cash loans forgiven. I was a victim of Cash Call 's predatory lending practices. And not only that, but I've been subjected to more than 10 years of harassment by both Cash Call and XXXX XXXX XXXX XXXX This has taken a toll on my mental and emotional health!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

MOHELA/Dept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.
Product: Checking or savings account

Ive had Navy Federal for XXXX  years, and they have postponed charges making it seem like i had money and then charging overdraft fees etc
Product: Credit card or prepaid card

Recently Discover closed my credit card account. They did not provide a reason even though I had never missed a payment and my credit score is always around 800. The credit card account has a credit balance of {$6000.00} Over the past few weeks I have repeatedly asked them to send me a check for the balance. They have refused.
Product: Money transfer, virtual currency, or money service

Good evening there, I hope you're well. 

Given CFPB long experience, regarding consumer protection, I'm sure the following case is nothing new for your agency. 

OBJECT : Coinbase illegal freezing of assets The Coinbase account was opened on XX/XX/XXXX. 
Trading activity was smooth and KYC process was fully completed. 

On XX/XX/XXXX, account got frozen without prior notice. 
No explanation or communication was received either. 

Ticket # XXXX was opened, inquiring about the issue. No reply received. 

Costumer Support replied only after complaining on XXXXXXXX Coinbase page.

No explanation was provided, instead Costumer Support tried explaining how they were reviewing the possibility to withdraw via ACH. 

Coinbase is totally aware that ACH transfer is only available for US clients, which is not this case, since the account is from XXXX. 
It seemed, like searching every possible way, to withold the funds. 


Our next email pointed out the ACH impossibility and formally requested explanations. 

Along with this, an update was published on Reddit.com. 

Costumer Support 's next move was to officialy close the Coinbase account, delete any post from XXXX and ban the account from publishing more. 

Therefore, given Coinbase ToS about account 's closure, we requested to withdraw the balance. 
" You are allowed to withdraw all funds from your Coinbase account and send it to any wallet address you choose .... before the account closure proceeds. '' ( https : //help.coinbase.com/en/coinbase/other-topics/other/does-coinbase-freeze-accounts ) No reply was ever received. 
All following emails went unanswered. 

Viewing Coinbase as a respectable business, with a solid base, this behaviour seems odd to say the least. 

Thanks a lot for your assistance. 
I wish you a pleasant day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received account closed notices on my XXXX XXXX 's XXXX account for two months consecutively. 

The first was XX/XX/XXXX he second was XX/XX/XXXX. The account is NOT closed. I have contacted the creditor and the credit bureau in reference to this matter and Transunion sent a notice to me with Remarks '' Account closed by XXXX ''. I have proof from XXXX XXXXs XXXX that the account is not, nor has it ever been closed. 

This has hurt my credit score tremendously.