23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign up and did not authorize the charge and have not been able to get them to cancel or refund the charges. I have been charged {$39.00} for the past 5 months Total scam - I did not authorize this.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXXXXXX XXXX XXXX  XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transfer paperwork was submitted to XXXX in XX/XX/XXXX, on XX/XX/XXXX I received an email saying the transfer was completed. XX/XX/XXXX a collections item appeared on my credit report from XXXX, I never received a single notice & discovered this because I regularly check my credit. They never updated my forwarding address that was submitted on the paperwork, never completed the transfer & instead canceled my account before opening a new one in the new person 's name leaving me with a balance due when 3 separate representatives confirmed the balance was {$0.00} when the transfer was completed. I've gone back & forth with XXXX since XX/XX/XXXX, repeatedly being promised calls back & never getting any. XXXX Supervisors repeatedly unable to explain why the transfer wasn't completed, my address wasn't updated or why the transfer paperwork isn't on file. This has ruined my credit & caused me about 9 months of pain & suffering trying to resolve this. XXXX failed to keep legal documents on file & continue to try to cover their own XXXX with a new excuse each time I follow up.
Product: Money transfer, virtual currency, or money service

I filed this complaint before with ref numbers : XXXX & XXXX I emailed and called citi bank few times since XXXX XXXX asking to send my cheque- didn't get any response despite apparent 15 calendar days processing time.
Product: Money transfer, virtual currency, or money service

Description : I purchased XXXX in Bitcoin using the application Coinbase  in XXXX of 2021. Since that time, I haven't done any other transactions using the Coinbase  application. On Monday, XX/XX/XXXX at XXXX, I received a text from I believe Coinbase ( number on text was XXXX ), stating a " New Login successful. If this was not you, visit coinbase.com/disable ''. People have told me never click on the link in a text that you are not absolutely sure who it is so I didn't. I called the support number for Coinbase and disabled the account. At approximately XXXX that night someone withdrew from my entire portfolio of {$18000.00} leaving me with a XXXX  balance. I had to have Coinbase recovery my account which took 3 days. On XX/XX/XXXX, at XXXX, i received another text ( from XXXX ) stating the following " withdrawal successful. If this was not you, visit coinbase.com/disable ''. At this time my account was in recovery so I could not signon. On XX/XX/XXXX, at XXXX ( from XXXX ) stating " Your coinbase account recovery is successful. You should now be able to signin ''. This is when I found out my portfolio was XXXX. Since then I have sent all the information to Coinbase who has opened case # XXXX to investigate my fraud case. It's now XX/XX/XXXX and seven days have passed and no response from coinbase as of yet. I have filed a police report with the local station here in XXXX XXXX. The police record for my case is XXXX and Officer XXXX XXXX was the policeman who spoke with me. He call me on the evening of XX/XX/XXXX at XXXX to follow up if I had heard back from coinbase which I informed him I had not as of yet. He did send an email to coinbase as well on XX/XX/XXXX the day I reported with all my information. Last night he said he would send another one and check back with me in a week. I am very frustrated at this point since there is no one to speak with at coinbase, everything being handled via email. Where can I turn to at this point?
Product: Debt collection

I received a notification from a credit monitoring website that a collections account was added to my report. I looked at the information for the company, Enhanced Recovery Company, and I have never done business with this company. I have no accounts with a company by this name. I'm assuming it's a 3rd party collection company. I mailed out a letter on XX/XX/2021 asking for debt validation from this company. I have not received any information from this company in response to a debt they say I owe. It has been over 30 days and this is still reporting on my credit report and has caused me harm financially. It has dropped my scores and caused me not to be able to attain funding for my business.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/ and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. ''
Product: Debt collection

My identity was stolen in or before XX/XX/XXXX, at which point I placed a fraud alert and credit freeze on my XXXX, XXXX, and XXXX files. On XX/XX/XXXX, I received a letter in the mail from Judgment Acquisitions Unlimited in XXXX, MA, indicating a debt in the amount of {$15000.00} at the XXXXXXXX XXXX XXXX XXXXXXXX. This debt is as a result of identity theft, so as such, I contacted them on XX/XX/XXXX and spoke to XXXX XXXX requesting information relating to the debt and the application for an apartment, which was provided to me by XXXX XXXX on XX/XX/XXXX at XXXX. The documentation showed false information in the application along with a fake ID, along with that this account was opened on XX/XX/XXXX with the same information that was used to open other fraudulent accounts, and showing that the XXXXXXXX XXXX XXXXXXXX XXXX did not do their due diligence in vetting the legitimacy of the application. I submitted information relating to proof that the application was fraudulent to XXXX later that day at XXXX, including that much of the information provided by the person using my identity is either false or does not exist, and can be definitively refuted through the use of publicly available information, such as the XXXX XXXX XXXX XXXX ( XXXX ) indicating false information relating to previous residence. In response, XXXX told me that the information is not enough, and that they needed a police report relating to this specific case. Following this, at XXXX the same day, I submitted records relating to a police report I had filed in XXXX for a different property, as well as records of approximately XXXX other accounts that were opened fraudulently in my name. The response was that " although the information alludes to identity theft for other accounts, there is none that confirm this one is part of it '' and that " we are requesting you provide us with a copy of a filed report for this account in our office. '' At this point, these are predatory collection tactics that indicate a lack of cooperation to work to absolve an individual who is a victim of identity theft without the usage of additional time and resources on my part as the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my XXXX  XXXX  and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items 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 XXXXXXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my EXPERIAN, XXXX XXXX, and XXXX consumer report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on XXXX XXXX is a fraudulent collection account reporting from creditor XXXX XXXXXXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on EXPERIAN are XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXXXXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without my authorization due to a data breach. On XX/XX/XXXX, I mailed a XXXX XXXX XXXX XXXX form to the XXXX XXXX XXXX XXXX  service, asking for a free copy of my credit report from Experian, if it existed. On XX/XX/XXXX, I received a response from Experian stating that they did not find a credit report because I either " did not provide sufficient identification information to verify your identity, [ I ] have not established a credit history, or the information [ I ] provided was not legible. '' The response stated that Experian was able and willing to recheck their records if I asked. 
On XX/XX/XXXX, I sent a reply to Experian asking for a reinvestigation. I included copies of the documents that Experian requested along with a letter of explanation that I desired to receive a conclusive determination for whether or not I had a credit report, and if I did, to provide me a copy of it. On XX/XX/XXXX, I  received a response from Experian which again stated that they were not able to provide me with my credit report. However, instead of clearly answering my query, Experian provided the exact same collection of possible reasons why it could not provide me with my credit report. No definitive statement was offered about whether or not a credit report in my name existed in Experian 's credit reporting database. 
On XX/XX/XXXX, I sent a second reply to Experian, again asking for a reinvestigation, and emphasizing that I desired to receive a clear and unambiguous statement that I either did or did not have a credit report within their database. I included copies of all of the requested documents Experian requested in their letter to perform their investigation. 
On XX/XX/XXXX, I received a response from Experian identical to the one I  previously identified as inadequate. In spite of my two direct and reasonable letters, Experian has failed to answer with an acceptable degree of specificity whether or not I have a credit report within their database.
Product: Checking or savings account

Hello, the bank I opened an account with is chase bank, which is a checking account. This account was closed on XX/XX/2021. It has been more than a year so far, but I have not received the balance in my account. From XX/XX/2021, I will contact the bank 's customer service by phone every week, but The bank 's reply has been to make me wait and say that there will be a result next week, but so far, the bank 's reply has always been unclear. And they said i need to contact asset recovery department at Chase Bank, but there no phone number listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bunch of alerts from three ( 3 ) of my Credit Monitor companies about there were two ( 2 ) new hard inquires added to my credit report with the attempt to open a new loan or credit. These alerts started incoming to my inbox on XX/XX/2023. 
After reviewed the information contained on the alerts, I found the information in regards as follow : Two ( 2 ) unsolicited credit check were performed for different financial institutions : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX ( financial ), XXXX XXXX, XXXXI already contacted XXXX XXXX XXXX  XXXX and they deny been doing any inquire on my name. 
XXXXI called XXXX XXXX, but the number on credit inquire is to telemarketing. 

I want to prevent someone open a fraudulent credit/loan account on my name.
Product: Mortgage

Caliber Home Loans was my mortgage loan servicer until my loan was paid in full XXXX, XXXX, 2020. 

Caliber held the {$5100.00} escrow balance until XX/XX/2020, when, reported by Caliber 's customer service, the {$5100.00} USD check was allegedly mailed with first class postage, no tracking abilities. 

Today, is XXXX XXXX, 2020, and more than 25 non-holidays ( Sat, Sun, etc ), since XX/XX/XXXX, paid in full status of my loan. 

I've called Caliber Home Loans Customer Service and Escalation Department repeatedly to ask about the check. I have repeatedly been informed that is is Caliber 's policy to mail all refunded escrow checks via regular mail and for it to take 10 to 21 business days to receive the check. 

However, when requesting if they could locate the check, I was told they have no way to do that ; however, if I do request the status of the check be submitted the consequence would be the check they mailed would be cancelled and I could not use the check when finally received. 

Additionally, I was informed that the process would begin all over again, including the use of non-traceable mail and first class postage only - A catch 22! 

I believe that Caliber 's policy of returning escrow for paid in full mortgage loans violates CFPB 1024.34 ( b ) 1 ) which requires paid in full escrow be returned to borrower within 20 non-holidays ( Sat, Sun ), by exceeding more than 25 days and counting. Additionally, I find. it a bit hard to believe that I am the only one being disadvantaged by their delay codified in their Policy as stated by Customer Service and Escalation Department. 

Their delay has cost me more than {$1300.00} on a short term loan that I had reasonably expected to pay by XX/XX/XXXX. I will again have to pay an additional {$1300.00} if their process fails to deliver my escrow by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the payment for XX/XX/2020 was in the pandemic for covid
Product: Credit reporting or other personal consumer reports

due to the equifax data breach there are fraudulent and inaccurate charges on my account and i ask that they be removed instantly, thanks.
Product: Checking or savings account

Made a mobile deposit on XXXX at approximately XXXX XXXX  at a citizens bank Driveup atm machine near my home. ATM located at XXXX XXXX XXXX XXXX XXXX PA XXXX. Made a small deposit of XXXX XXXX cash. ATM screen showed my deposit was successful. Arrived home, and accessed my citizens saving account to transfer my recent deposit to another bank. Except this deposit was not appearing. My account balance had not increased. Called the customer service number for citizens bank. Think they have an offshore call center. Was told they were having network issues, and these are being addressed. Give it a pope hours. She was rushing to end the call. It is now XXXX XXXX XXXX XXXX the next day, and my deposit still is not appearing. Account balance has not changed.
Product: Money transfer, virtual currency, or money service

There was a {$350.00} transaction paid by my XXXX  XXXX XXXX credit card through Paypal on XX/XX/21 which went onto dispute. 

The dispute continued with XXXX  XXXX XXXX XXXX process and a full refund of {$350.00} was issued on XX/XX/21. 

Paypal issued a temporary credit of {$140.00} back to the credit card on XX/XX/21 The problem is that then on XX/XX/21 Paypal reversed the {$140.00} temporary credit from my Paypal account instead of the credit card account. XXXX  XXXX XXXX made ANOTHER reversal of {$140.00} from the credit card on XX/XX/21. 

Basically, the {$140.00} credit was issued once and reversed TWICE. XXXX XXXX XXXX says it's Paypal 's issue and Paypal says it's XXXXXXXX  XXXX XXXX XXXX issue. 

Someone needs to re-issue the {$140.00} credit back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 
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  Please update or validate the listed accounts for their information is misleading and must be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports. 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 

account name : XXXX account # : XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$41.00} {$41.00} {$41.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$63.00} {$63.00} {$63.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$210.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I've attempted to apply for a refinance with XXXX different loan officers with PennyMac. They are extremely vague in the information provided to you. Was told XXXX is too high which is fine ; however, when pressed to show a breakdown and/or explain they go silent. No transparency whatsoever.
Product: Mortgage

I have tried calling on several occasions to get this resolved. During covid no one answered the phone. Everytime I did get someone they could not figure out how to credit me unapplied funds. It escalated to a supervisor but still no letter no refund and no call back. I would like a refund of the unapplied payments and a overpayment. {$2400.00} I since sent on XXXX a certified letter explaining why I have several overpayments that I would like returned. It has to do with paying on the app. ( glitch ) I have the letter and the copy of my certified letter and receipt attached. No
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late payments - XXXX XXXX - XXXX XXXX XXXX Inquiries XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX TO XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Experiqn numerous times about the incorrect information listed on my report. Ive called several times and always told to mail supporting documentation. Ive sent copies of identity theft reports and there isnt a way to upload this information on their site. Everything I send supporting documents they refuse to accept the documents and lie and say they received information from a third party when Im the one who sent it. Ive told them several times about this and that they keep reporting inaccurate information on my report that has been removed with XXXX, however Experian is failing to abide by The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Experian also keeps reporting an old address as a current address and I have called several times to correct this and they are constantly reporting incorrect items on my credit report. If this is not resolved as I have tried to resolve several times, I will be filling a lawsuit and getting an attorney involved due to experian incompetence and unfair credit reporting.
Product: Credit card

Capital One is ripping customers off with their so called " promotions ''. They give you a lower interest rate for XXXX or 7 months and if you do not call them they automatically give you the highest rate without advising you and you can go on for months without knowing and paying the highest rate. I know our senior citizens ae serious victims of this.