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

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXY, Company Inquiries : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My only identifying information is as follows : My address : XXXX XXXX XXXX. 
XXXX, SC XXXX My name to : XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

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

I have a student loan balance from XXXX/XXXX XXXX XXXX on my Experian credit report that is incorrect. This balance, paid in full, is correct on my XXXX and XXXX credit reports. I tried to file a dispute with Experian to resolve this. This student loan was paid in full in XX/XX/XXXX and it is still showing a balance on my Experian file. When I received the dispute resolvement letter from Experian today, XX/XX/XXXX and it was not corrected (??? ), I followed directions on the letter and called XXXX/XXXX XXXX XXXX. The XXXX XXXX XXXX representative told me that they reported to Experian on XX/XX/XXXX that the account had a XXXX balance, and was paid in full in good standing. I then called Experian to try to resolve this. First, it is almost impossible to get to talk to someone in the dispute center, when I finally navigated my way there, the representative was very rude, disrespectful, and unhelpful. I told her that I had documentation and that they had received the same documents from XXXX XXXX XXXX. She informed me that the company stated there was no change in my account so that is why they ( Experian ) made no effort to correct my account. So if that is what XXXX XXXX XXXX told them, 'no change in my account ', there was no change because the account had been paid in full since XX/XX/XXXX. There seems to be a little bit of effort that needs to be put forth by Experian when 2 of 3 credit reporting agencies show a XXXX balance and they don't, to maybe dig a tiny bit deeper into the issue. The Experian representative very rudely told me to mail in or upload my letter, told me to have a nice day, and hung up. There is obviously a disconnect between these credit reporting agencies and the credit companies. These companies are in control of the things we can finance as well as the jobs we can get, so it would be great if they were actually working for us and not against us.
Product: Money transfer, virtual currency, or money service

I have been reaching out to Coinbase for 5 years now! In 2016 I had my account deleted they said I had violated a the user agree but never once explained what I did that was in violation. After I received that notice they said I would be able to withdrawal my funds and take them off Coinbase. The next time I had tried to log into my account it was deleted. I believe I have roughly XXXX in the account now. I explained my situation to them many times over the years and I requested an explanation for why my account was deleted and an account statement of all transactions for that account. Two reasonable things I believe I should be entitled too. I just got a response back last week and the completely ignored the fact that I need help logging back into my account to get my funds. And they never gave me an explanation as to why I had my account deleted or provided an account statement, however they did mention my funds were safe. I followed up about 3 times since and again unresponsive. 
I really just want my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing inaccurate on my credit reports.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts & Inquires reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX Original creditor XXXX  Balance {$1000.00} ance : {$11000.00} XXXX XXXX Balance {$11000.00} XXXX inquiries XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX & Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I am bringing a matter to your attention in the hope that you will be able to assist me and rectify an injustice by BMW FinanciaXXXX in settling a vehicle lease I recently terminated. 

I recently lost my vehicle in Hurricane Ian. I leased the car from BMW Financial Services and it had roughly a {$28000.00} balance, according to BMWs website on XX/XX/XXXX. My insurance company, XXXX XXXX, paid the market value of the vehicle on XX/XX/XXXX, amounting to {$40000.00}. The difference between the insurance proceeds and the lease balance was roughly {$12000.00}. BMR Financial Services plans to keep the difference. They believe they are justified, since they own the vehicle. This is a hardship for me ( I am retired ), since I had planned to use the equity to purchase another vehicle. I object to their policy and believe it is unfair for several reasons : XXXX. Lack of disclosure. Had I known, I would have paid off the lease balance in early XXXX, which would have entitled me to the proceeds. This was not disclosed on their website nor was it in the lease contract. 
XXXX. Usurious. The roughly {$12000.00} profit BMW plans to retain represents approximately a 43 % gain on the lease balance. While a lease is not a loan, and subject to Federal usury laws, nonetheless, it is a financial contract. I believe a 43 % return is inappropriate, and takes advantage of retail customers who individually have little means to battle a large, foreign manufacturer. 
XXXX. Takes advantage of Hurricane Victims. This policy takes full advantage of Hurricane Ian victims. When I complained to the BMW agent, they mentioned that this policy had specifically been discussed at BMW, and that other customers had also complained to them about this same policy. I take this to mean that they are victimizing numerous customers in the XXXX XXXX area. 
XXXX. Inadequate alternatives. BMW offered to apply the difference if I leased another BMW from them. However, BMW had no XXXX XXXX vehicles available on the XXXX XXXX and would not be able to source another car until XXXX at the earliest. I need a vehicle sooner than that, so this offer is hollow. 

I can be reached at XXXX XXXX XXXX. Many thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 2 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XX/XX/2023 payment {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Checking or savings account

I was awarded a {$200.00} cash bonus for a new checking account on XX/XX/year>. The same day {$48.00} was withheld for taxes. It shouldn't have been and this has been confirmed by numerous bankers I have spoken with. As of today I called and talked with XXXX Fifth Third employees and each says it's someone else 's department. The taxes were for state taxes and in Florida there are none. I've been trying for over XXXX weeks to get this corrected. At the endo fo the year Fifth Third will send me a XXXX for the {$200.00} and I will file my taxes, only federal, not state.
Product: Checking or savings account

I have been locked out of my Citi checking/savings account for several months now and the business refuses to help me gain access while continuing to charge me fees. The " security model '' is twisted. I know my online account login name and password. However, I do not know where my debit card is. Yet, validating my identity online to log in now requires me to provide my debit card number ( which I do not have because I do not know where it is ). 

I have attempted to contact the business via phone to regain access, however, they require I give them my debit card number ( which I don't have ) in order to help me regain access. The other alternative they provided was for me to give them my acccount number ( which I don't have because I'm locked out of my account which is set to paperless statements so I have no way of getting the account number ). 

They also refuse to issue me a replacement debit card even after providing them my birthdate and social security number. 

So when I call to get help over the phone, I'm routed to some call center in the XXXX that refuses to help me based on what I said above and they refuse to escalate my case to a manager because they " can't validate my identity ''. They said my only option was to go into a branch ( of which none are located within several XXXX miles of me ). If I try to search their website for a branch near me, there are literally XXXX search results. 

Meanwhile, they are assessing a monthly account maintenance fee for an account I can't even access. My only option was to write to them and ask them to reverse the fee and close my account. I sent this letter on XX/XX/XXXX and I've received no response to my letter but I received two more notices by mail. One saying they assessed another monthly maintenance fee ( bringing my account balance to - {$24.00} ) & another saying my account access has been restricted based on it being negative and them threatening to close my account and report it to the credit bureaus. 

But it wouldn't be negative if I had access to service it or even close it, but they won't allow me to do anything without a debit card and they won't replace my debit card because I don't know my account number. So this literally leaves me powerless to do anything about the situation.
Product: Credit reporting

Trans union shows that I have filed bankruptcy. I have never filed bankruptcy. I 've disputed this several times. They told me it was the credit card, which is still current and I use and make payments on. I contacted the credit card company and they said they are not reporting me as filing bankruptcy. This has been on my credit report for over a year. I continue to get the " run-around '' by the credit bureau.
Product: Debt collection

Knight Adjustment Bureau put a collection on my credit without sending me any notice. They did not send a 30 day right to dispute notice. The debt was already settled with the creditor.
Product: Checking or savings account

Today, XX/XX/2020 at XXXX XXXX when I looked at my checking and savings accounts both said XXXX balance even though I have a very large sum in the bank. 
I immediately called the fraud department at Bank Of America who told me they were having a " problem with the app '' and assured me my money was safe. 
After 3.5 hours I called again to ask WHY the bank had not notified customers of the problem and I was told they are aware of it and were working to fix it. The bank representative said she would file a compliment with the bank. 
My concern is with all the problems going on today and branches closing, etc, this may be a larger problem than just the app. 
BofA needs to take immediate responsibility to notify all customers of the APP problems.
Product: Checking or savings account

I filed a complaint with the CFPB on or around XXXX XXXX XXXX, regarding an ongoing issue with Citibank. Citibank claimed to have mailed two checks from my accounts : one from my checking account ending in XXXX  for {$310.00} on XXXX XXXX XXXX  and another from my savings account ending in XXXX  for {$170.00} on XXXX XXXX XXXX

I received the check for {$170.00}, but I have not received the check for {$310.00}. After contacting Citibank, I was informed again through a letter that the check was mailed to the correct address on file, but it never arrived. This issue has been unresolved for over XXXX months, and despite my attempts to resolve it, I still do not have my funds. Citibanks response did not address the lost check, nor did they provide any confirmation that the funds are being held securely while the matter is being investigated. 

Furthermore, Citibank has likely collected interest on the {$310.00} that I have not been able to access during this period, and I believe I am entitled to compensation for this lost interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Medical debt is supposed to be removed from my credit report but it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I am a victim of identity theft due to 2 breaches ofc my information one in XX/XX/XXXX and the next XX/XX/XXXX. XXXX cards were taken out in my name 2 of them. I reported this to XXXX and XXXX XXXX the credit card company. XXXX found it was fraud on both cards in XX/XX/XXXX I believe it was settled. XXXX told me that the bills XXXX kept billing me would stop it didnt they are still sending these bills. I have now been put into collections. I had provided XXXX with the police report and ft c report. They ignored synchrony findings
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting to Equifax that I have federal student loans with them according to Equifax 's investigation into the loans and the amounts reported by XXXX XXXXXXXX XXXX, however, XXXX XXXXXXXX XXXX XXXX federal contract ended in XX/XX/XXXX and ALL of the federal loans that they were servicing were transferred to other companies such as XXXX ( where my loans were transferred to initially ) and XXXX ( where my loans were transferred to and consolidated and remain ). I find it difficult to understand how a loan company that no longer holds federal student loans at all would report that I have loans with them as Equifax reported in their investigation into the matter. Equifax response was as follows : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXXXXXXTHIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXXXXXX XXXXTHIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXXXXXXXXXX XXXX-THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXX XXXXTHIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION Trade : XXXX/DEPT OF ED THE BALANCE OF THIS ITEM HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ACCOUNT HISTORY NON REPORTING DISPUTES Trade : DEPT OF EDXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE . We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.