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

I have had MULTIPLE issues since last year with consistently monitoring my utility bill statements from seemlngly multiple payments on the same accounts, receiving bills that were inconsistent with the last amount, making payments that I know I have already made, someone changing my security code on a billing statement & making unauthorized changes to my account resulting in higher bills or possibly even opening multiple accounts that I knew nothing about. I have been blocked from receiving phone service because someone else was using my identity to enjoy the phone service that I did not authorize in addition to loosing my phone # that I had for years to this situation after they disconnected my phone & told me their was a conflict of interest in the address being used. I have just confirmed on yesterday after months & months of trying to track proof down while visiting the bank almost bi-wkly ( causing me to loose work time & very inconveniencing ) trying to figure out what's happening to my money that I KNOW I BUDGET WELL HOWEVER, someone knows how to cover their tracks really well, with making transfers & using my card # to consistently making purchases. I have made multiple attempts to do lost/transfers to my accounts to try & stop the inconsistencies but before I know it, the same thing happens again on the new account. It has cost me to feel like I am about to go crazy as I constantly feel violated & have pushed close people away from me as it's hard trusting anyone now because I felt like someone close to me had my information using it when turns out equifax has breached contracts & allowed public information to be exposed so now I don't know who's robbing me & violating me. I've had to pay for a XXXX XXXX for my mail as I feel unsafe getting it comfortably at my home address thinking someone was getting my mail out & getting my information. In addition, my emails had been violated as well so I'm afraid to send personal information ( as I feel they are being either rerouted or viewed ), make payments online or even use my personal telephone to handle bills or personal issues as I feel like my phone, email accounts are being monitored & violated which is also VERY INCONVENIENCING to have to take additional time to go to a library, or use a neighbors phone to do things I can do in the comfort of my own home or with services that I pay for. I am a business person so I can't change certain things like email, business phone number, etc as I have things established long term. This is really unhealthy for anyone 's state of mind as you are trying to live a day to day life & also make time to play detective to figure out what the XXXX is going on with your money that you KNOW you didn't spend & trying to prove to a bill collector that you didn't authorize a change, or that it is YOU, when someone has the same information you have to put up the same argument as if they are you! I am attaching a police report of proof of someone else using my info to get a phone account that is currently still open since XX/XX/2017 in  my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of a consumer credit transactions this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged due to Title 15 USC.

BUREAU-1692a ( 1 ), 1681A ( 1 ) -4/ ( B ) COMMUNICATION-1692A ( 2 ) CREDITOR-1692A ( 4 ) Charge off/Repo DEBT AND DEBT COLLECTOR 1692A ( 5 ) Collections/Student loans CONSUMER-1692A ( 3 ) LATE PAYMENTS-1666B ( A ) INQUIRY-1681B ( 2 ) /3A ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater Resolution- I want any filings removed from each of my credit reports for all three bureaus and to be compensated for each violation in addition to an apology.
Product: Credit reporting or other personal consumer reports

Account XXXX Dear Sir or Madam : I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX [ Identify item ( XXXX ) resulting from XXXX that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). It may also be helpful to include XX/XX/year> and XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are several unauthorized inquiries seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and needs to be deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey in Last year send all documents to credit bureau never got any response back items still remind on my credit report by law after 30 day 's no response company supposed remove items.
Product: Credit reporting

I Paid a debt off with XXXX. XXXX other credit reporting agencies removed the debt, but trans union has not. I called XXXX and they said they have reported it paid, it is trans unions problem now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of several accounts on my credit reports I've requested validation with no avail they are in violation of the fcra 609 and 611 af this point please assist me with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was denied a personal loan to buy groceries due to Ally bank being the primary reason of rendering over the XXXX XXXX XXXX that was a lemon and the dealership/manufacturer refused to honor the new car warranty and swap out the new vehicle with a non lemon one without ruining my credit rating by running a credit application for a new car swap each time I inquired on a fix prior to a complete vehicle breakdown after a new starter and battery was ordered in which the car ran for 1 full day after XX/XX/XXXX fix then broke down completely with starter and battery wires burnt being the reasons for a non manufacturer new car warranty repair within only 4 months of financing the supposably new car. 
See prior CFPB.gov unresolved complaints and refer to attachments as a reference from complaints XXXX, XXXX, XXXX. 
The dealer received {$2500.00} bonus which was used as a down payment though my credit required none at the time of approval XXXX. After rendering over the vehicle, my vehicleinsurance policy paid nearly or over {$2000.00} to Ally bank for additional gap coverage that was in addition to the bill of sales gap coverage inclusion. My car payment which was only XXXX wasn't due upon being rendered over for auction and wasn't past due. Ally bank shouldn't have anything but a positive rating on my credit. The bank received the car, gap coverage money from the insurance company and they sold the vehicle within 2 months time of rendering. My credit rating and outcome of a severely needed grocery/personal medical hygiene/cleaning product loan approval shouldn't have been declined due to their retaliation and/or misunderstanding of how to notate my closed account to rate my credit history properly with valid balance information which should be and is {$0.00} balance, paid on time. They picked up the vehicle in a timely manner no requirement for me to pay the 1st car payment should've been my responsibility.
Product: Debt collection

This debt collector, XXXX XXXX, repeatedly called me today for more than 9 times, threatening to file a criminal lawsuit if I dont pat the whole amount of debt, {$1100.00}. He threatens to call the police and sheriff to arrest me and be put to jail. I told him I dont have the money to pay him the whole amount, I was trying to make payment arrangements of {$100.00} a month but will not accept it. I have called just answer, talked to a criminal lawyer named XXXX XXXX XXXX, and he told me that this persons tactic is illegal. He told me to file a complaint with CFPB, and if this person pursue to take legal action, I can counter sue him later on. I was also told that this could be a scam. XXXX XXXX works for Cash Central, it says a proud member of Community Choice Financial, no address given. XXXX XXXX telephone # is XXXX. He also texts me that I have to make sure that I will have a criminal attorney within the hour of his text at XXXXXXXX XXXX today, another XXXX at XXXX XXXX that if I think by ignoring his calls will help me, at XXXXXXXX XXXX another text, asking for my lawyers information, and by blocking him will not save me from warrants.
Product: Credit reporting

I used the website XXXX provided on the FTC website in hopes of receiving my annual credit report from XXXX, XXXX, and Equifax. I obtained my XXXX credit report with no issues on. I logged back into XXXX XXXX/XXXX/2016 and attempted to receive my free credit report after verifying my identity correctly from XXXX and Equifax. Equifax and XXXX responded that I had already requested the reports less than 12 months ago. I never initiated the process of retrieving the credit reports from XXXX or Equifax. My complaint is unlawfully not having my yearly free access/copy of my personal credit report according to the " Free Credit Reporting Act '' using XXXX. XXXX and Equifax are denying my right to access this based on the assumption that I have received the credit report which has no grounds.
Product: Debt collection

Submitted CFPB complaint reference to a fictitious XXXX account in my name. I have submitted disputes to XXXX of the credit bureaus with no action taken. This debt with XXXX was not authorized by me. My wife and I were living outside of the XXXX for over XXXX  months starting in XX/XX/XXXX thru XX/XX/XXXX. I have never had a XXXX account ever in life. The carrier we have used for XXXX  years has been XXXX. Convergent claims a fraud packet was mailed out on XX/XX/XXXX. I have not received such a packet and it's been XXXX weeks. I have a lease and passport stamped to prove my claim. This inaction is causing my credit score to decline. I don't think the have a current address and are sending things to an old address in XXXX, XXXX. I moved from that address on XX/XX/XXXX when we sold our house and moved to XXXX.
Product: Credit reporting or other personal consumer reports

Errors on my credit reports about my name, address, and employer. 
A dispute letter was sent to resolve the issue but I haven't heard from Equifax at all.
Product: Money transfer, virtual currency, or money service

Coinbase Disconnected my account and deleted all the corresponding verification emails. This company has a history of unethical and deceptive tactics as well as zero human customer service interaction. The CEO is a billionaire who I have my own suspicions about. This is the second time they have costed me over XXXX $ in damages. They freeze and suspend accounts for their own personal profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is throwing out my dispute paperwork, and refusing to remove negative items from my credit report also the company is giving me a hard time with investigating negative items.
Product: Credit card or prepaid card

In XX/XX/2019, I opened a XXXX XXXX  Mastercard by Comenity Bank. I have used it a total of 3 times. I paid for the first 2 charges as soon as I received a bill. I tried to do this by logging in to their website and entering my information so that I could autopay my bill. I could not get the website to take my information. I called and spoke to a representative gave my information and was told I was all set. When I received my second bill I tried again to pay it online, again I could not get the website to accept my information. I again called the company and spoke to a representative, again I gave all my information and at that time I paid the bill long before it's due date. This month I had no current charges and being an XXXX did not check the bill immediately. When I did check it I found that the last charge was still on the bill along with a late fee and an interest charge. I again called the company and was told that the payment had not gone through so the late fee was justified but " out of the goodness of their hearts '' they waived {$15.00} of the {$27.00} fee. I am never late with payments! My credits score is in the high 700 's. The card in question is currently in my trash in many, many pieces. I paid the bill in total through my bank immediately.
Product: Vehicle loan or lease

Bank of the West performed a double withdrawal from my daughters account for a car loan which I am the primary loan holder and she is the comaker but it is her car in XXXX of XXXX. When she requested that the excess be returned they stated that it would take a minimum of 2 weeks to process. Since my daughter could not wait that long to get her money back she performed a stop payment of the XX/XX/XXXX payment, and then repaid the payment using a different account. My daughter was not able to use her bank account to make payments any more. My credit started to suffer this year and I began to receive higher interest rates and poor credit scores. I was not aware as the reason why. 
It came to light in XX/XX/XXXX that Bank of the West was reporting that a payment for XX/XX/XXXX was never made. However, proof was faxed, then refaxed and emailed that this was not the case, and the payment was up to date. Allowing 5 or more business days each time to allow for them to examine and correct. Both my daughter and myself continued to get the run around of them not receiving the information and that is why we had to keep submitting the documents in various forms. The last conversation it was stated that we received a check refund on XX/XX/XXXX and that is why we continue to be behind a payment ; however, we never received a check. They also could not provide a copy of the check or a cancelled deposit check. We need your help to resolve this as it has seriously hurt our credit and Bank of the West has been so difficult to deal with.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section grants me the right to request the removal of inaccurate or fraudulent information related to identity theft from my credit file.

Reason for Dispute : I believe these items were the result of identity theft, and I request the permanent removal of these inaccurate entries under Section 605B of the FCRA. I have attached the necessary documentation to support my claim.

Request for Deletion Under Section 605B, I request that these fraudulent items be permanently removed from my credit report and that you confirm this action by sending me an updated copy of my credit report.

Notification of Re-insertion Requirements ( Section 611 ( a ) ( 5 ) ) In accordance with Section 611 ( a ) ( 5 ) of the FCRA, if any of these items are later re-inserted in my credit file, you are required to notify me within five business days of their re-insertion and provide me with the name, address, and phone number of the information source. Failure to do so violates my rights under the FCRA.

Enclosures : Supporting documentation identity theft trooper from FTC as required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Credit Bureau Associates is attempting to collect an erroneous medical debt. They are showing the " last payment date '' as XXXX-XXXX-1999. Under the Fair Credit Reporting Act companies can report debt for XXXX  years from date of last payment. Please immediately remove this erroneous debt from XXXX, XXXX and XXXX.
Product: Debt collection

They called me at my work and openly discussed my debt and case. A direct violation of the FDCPA!
Product: Credit reporting

I have filed numerous complaints and disputes with Transunion, and as a monthly subscriber to their credit services, I have to say that I 'm appalled by their level of paying-customer service, much less attention to the needs of the consumer. Once they open an investigation, it essentially FREEZES the entire credit report during the dispute process, which takes approx. 30 days for each dispute. This means, that even though I have daily access to view updated credit reports, they information is static. 
On 10+ occasions during the past month, I have contacted them concerning an account to which I was listed as an " authorized user ''. This account was supposed to be removed over XXXX days ago, but they have failed to remove it. This past occurrence, I was instructed on XXXX XXXX that I would need to dispute the information directly with the creditor and file a dispute with Transunion. I did just that, and now they are approximately 20+ days into that dispute and have not contacted the creditor once. I spent over 4 hours on the phone with several departments within the creditor, and they assured me that nobody from ANY credit agency has contacted them, much less Transunion. 
I 've attempted to upload files to their dispute process, but since my report/file is completely frozen, it is impossible to do so. I 've tried faxing in supporting documents to the number they provided, but the fax # has been busy for 10 straight days. I 've tried calling them to request an email address I can send supporting documents to, and they attempt to convince me that nobody in their company has an email address. 
To date, I have contacted XXXX XXXX XXXX XXXX Credit Card ( XXXX the same place ) and have removed myself as an authorized user for the account. My wife is the only person financially responsible for this account, and I have supporting documents to show this removal. I 've attempted to have this resolved quickly by Transunion, but they seem content to not do anything in terms of an actual investigation and are failing service expectations miserably.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an alert on my phone that a charge of {$2500.00} was made at XXXX XXXX Within 10 minutes, I called my credit card company and reported it as a fraudulent charge. 

The credit card company issued me a credit but then charged me AGAIN for the same amount. I called them again and they told me I approved the amount which I never did. I then asked them to show me documentation ( or a taped phone call ) of the approval. They couldn't show any proof of me doing that. They reopened the case. 

After many phone calls and hours of my time spent on this matter, they then told me it would take 2 billing cycles to the 2nd credit to be issued. I told them I don't understand why I had to wait especially when they issued me a credit soon after the initial charge. 

I recorded most of the phone conversations I had with Citi Cards. The last time I spoke with them on XX/XX/XXXX. The person said I would receive a full credit by XX/XX/XXXX. I have not received that as of writing this complaint. 

I believe I was at a gas station at XXXX XXXX XXXX XXXX XXXX trying to use my credit card and had trouble at the pump a day or two before. I had to go inside for the transaction but going back to the pump and now using my XXXX rewards card, it still wasn't reading my reward card. The transaction was canceled. I believe there was a " skimmer '' at the pump. I notified the local police and filled out a report.
Product: Debt collection

XXXX XXXX - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account : XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.