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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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
Product: Debt collection

In my last dispute I was told that the alleged debt was verified..So I am requesting a detailed process of the reinvestigation to confirm the alleged debt..I am also requesting a summary of my rights, my full file, along with sources and report recipient 's...
Product: Money transfer, virtual currency, or money service

I have been using my same coinbase account since XXXX. In late XXXX buys were locked on my account and I submitted a ticket on XX/XX/XXXX ( Case # XXXX ), the issue wasn't resolved for three whole months, they didn't even respond to my initial ticket until XX/XX/XXXX. However, my purchasing/depositing abilities were restored and up until now, I have been using the platform with no issues. However, two weeks ago, buys/deposits were randomly disabled on my account again with no explanation. I submitted a ticket ( Case # XXXX ) on XX/XX/XXXX and now support is claiming that I am BOTH not eligible to purchase crypto AND my account isn't eligible for a review until the end of XXXX ( XX/XX/XXXX ). They also explicitly state that they " are not able to elaborate on this decision-making process. '' They have restricted my account with no rhyme or reason and it is now virtually unusable.
Product: Credit reporting or other personal consumer reports

The last year or so Ive been seeing some red flags. Please allow me to explain it the best way I know how. 
I have a credit card from XXXX. The due payment date is the XXXX of every month. But I like to pay early so I may pay it somewhere around the XXXX of the month. On my credit report I was receiving from XXXX XXXX, It shows where Maybe on XX/XX/XXXX, I was late making that payment, somehow on the XXXX it show XXXX law had it remove. I havent notice none of this until I got tired of arguing with the companies and then I felt was putting this on my credit report.I have tried numerous times to call and speak to someone at XXXX XXXX, and I only spoke with a paralegal. I explain all the different things I felt were in correct I ask them numerous times if they could call these different businesses and find out why they keep saying Im late when Im not. To see if these different business would correct what I felt was their error. They said they couldnt do it. 
I also pay off my school loan in XXXX XXXX. 
It was showing up as late payment in XXXX. Its called XXXX, or XXXX XXXX XXXX. Was was the meaning of XX/XX/XXXX as current, when its been pay off. And other records show me as late payment. Other bills kept popping up as late payment or unknown. The reports I was getting didnt look like it came from the three major credit bureaus. I look at the way it was written up, the paper, so many unknown, what does that mean. I kept bring this to XXXX law for their assistance, and again I was getting the same respond when I did call. I had to call the places and try to get it straighten out. For months I would call them, sometimes we would aruge over the phone.Because theyre telling me, they have not report that, and I just believe they all did. I really believe inlexington law. It wasnt until I step away in XX/XX/XXXX and took timeout to go over my credit report, to find a lot of in accuracy.. I am very hurt and surprise and shock at this company. I now dont trust any repair company.
Product: Mortgage

Alleged Loan Scam - Loan is VA 100 % property tax exempt but the originator, XXXX XXXX XXXX and the XXXX XXXX XXXX, BOKF/XXXX XXXX XXXX have abused this exemption by escrowing approximately {$6700.00} of my property tax funds. I have never missed a payment yet, XXXX has threatened foreclosure on my loan. I have been trying for over three ( 3 ) years since my closing, XX/XX/2015, to work with them but to no avail. See my attachment to this complaint supporting these accusations. Also, refer to my previous complaint submission ( s ) as follows : Case numbers XXXX and XXXX, which were never satisfactorily solved.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I was messaged by XXXX. She spoke of an investment that gave you back a great profit. She had a bogus page with other people testimonials to lure you. She connected me to an so call investor named XXXX XXXX. I spoke with him asked him questions about the investment, he said everything but the truth. I sent {$100.00} through XXXX. I waited for the return profit, it never came. I asked what happened they said to send more money. I contacted Navy Federal, told them what happened. They said they couldn't refund my money.
Product: Debt collection

I recently pulled my credit report and found that Jefferson Capital is still reporting on the credit bureaus a debt that was sold to another collection agency and was paid in full to the other collection agency. I contacted Jefferson Capital to advise them that they can no longer report on a debt they are not collecting. They sold my debt to XXXX XXXX XXXX XXXX in XXXX of 2015 yet are still reporting it. The debt was paid in full to XXXX XXXX XXXX and Jefferson Capital is unlawfully reporting it to the credit bureaus despite my request for them to cease.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : NET CREDIT Account number : XXXX
Product: Credit reporting or other personal consumer reports

FCRA XXXX05B stipulates that we must eliminate any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each incorrect entry on my credit file.
Product: Money transfer, virtual currency, or money service

I was working all day Saturday XXXX XXXX. I get home and realize that my card was lost and all my account was cleared out. There was 3 {$200.00} XXXX XXXX transactions and 1 {$130.00} XXXX transaction. There was 1 {$2000.00} XXXX transfer as well. Never once did I receive an email or text if it was me, either from my bank or from XXXX These transactions were made to people whom I do not know. I was working all day and did leave my phone unattended a couple of times but I dont think anyone would enter my phone, I do have my passwords saved on here but dont think someone would do that. Chase bank states I might have lost that money and I feel horrible as I did not make these transactions. Chase needs to do something and be better at protecting their customers. Now I have no idea if my info is known by someone else.
Product: Credit reporting or other personal consumer reports

XXXX is reporting the account as a charge off. yet XXXX / XXXX has not provided me a 1099 C nor provided one to the Internal Revenue Service. Therefore, they are incorrectly and inequitably damaging me and withholding my credit and securities from me.
Product: Vehicle loan or lease

A complaint, Complaint Number XXXX has already been filed. During this filed complaint on XX/XX/XXXX I have received XXXX voicemails from XXXX different Executive Representatives. One gentleman called XXXX XXXX, XX/XX/XXXX. I called back on XX/XX/XXXX leaving a voice message with no return calls. 
A young lady called named XXXX leaving a voice message on XX/XX/XXXX requesting that i call her back stating she was from the same Executive Team as referenced in my original complaint. I returned the call back to XXXX on XX/XX/XXXX. 
To date no other contact has been made from PNC until today XX/XX/XXXX requesting my XX/XX/XXXX payment via text. I have not made this payment due to the prior complaint. My account remains delinquent on my credit report and my payments are not being applied correctly. 
I immediately called to make a payment, and the customer service rep would not take my payment. I confirmed my social security card, my address, my phone number. The gentlemen on the other line stated that due to my account status he needed further information and would not take my payment until I followed the process. I respectfully declined stating that I have provided PNC with enough of my time and anxiety, made him aware that the account was supposedly with the Executive Team I was simply calling to make a onetime payment. He again declined the offer. I am aware that all of these calls are recorded the recording can be accessed on today 's call XX/XX/XXXX at XXXX XXXX. 
I immediately called back PNC got another customer service rep on the phone and was able to process my XX/XX/XXXX payment in the amount of {$790.00}. During this time, she stated that my account was still past due. ( i have not received any recent notice of my account being past due ) She stated the account was past due in the total amount of {$1500.00}. 

This is more than one person should have to deal with. I am a single mom working to provide and pay my bills on time. Due to the issue that PNC has they have lessened my credit score and my good standing with no regard nor remorse to their mistakes. 

They have not made any extended effort to correct the issue or try and to resolve the issue. As a matter of fact, they made the efforts worse by my calling to make a payment and them denying my payment due to wanting me to confirm and quote " stay on the line due to my account delinquency and confirm further information. "
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent XXXX, Equifax and XXXX XXXX a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent XXXX, XXXX XXXX and Equifax a letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to 3 managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed.

I contacted Equifax 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I Travel/Entertainment XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/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 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I had cash app account with XXXX in it and they lock or took my money with no reason well it was because MI UIA got that all tooking care of but they still haven't release my money if theres anyway you can help please
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$900.00}, XXXX XXXX Balance : {$9600.00}, XXXX XXXX XXXX Balance : {$3900.00}, XXXX  XXXX XXXX Balance : {$480.00} & XXXX XXXX Balance : {$56000.00}.
Product: Checking or savings account

I need a new online checking account for myself so I decided to apply for one as a US citizen but anytime I apply my application gets denied even though the company has pulled my credit report with a hard enquiry. I am confused why I am been denied.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since i found them out. Kindly remove the following : XXXX XXXX account # XXXX date opened. XX/XX/XXXX XXXX XXXX account # XXXX date opened. XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date opened. XXXX XXXX, XXXX
Product: Mortgage

My monthly payment quadrupled unexpectedly due to a year-long delay in processing my submitted escrow paperwork. 

I refinanced my mortgage with Discover Home Loans. On XX/XX/XXXX the personal banker at Discover quoted me at {$390.00} without escrow and {$630.00} with escrow for a 30 year fixed rate. Because this was better than my previous home mortage, I signed off on the documents XX/XX/XXXX. 

I called to inquire about escrow documentation needs on XX/XX/XXXX and submitted my insurance documentation in order to set up escrow to XXXX on XX/XX/XXXX. 

Despite repeated calls on XX/XX/XXXX and XX/XX/XXXX where I was assured my escrow documents were received and my escrow was being set up, my payment was XXXX until more than a year later, XX/XX/XXXX, when it was raised to $ XXXX. 

When I called for an explanation about this change on XX/XX/XXXX, I was told that there was property tax deficiency issue in the escrow and my payment needed to be raised for one year to make up the difference, after which it would go " back '' to XXXX. ( My property taxes were {$3400.00} in XXXX and {$3600.00} in XXXX so there was no unexpected change there. ) I was confused but stayed calm and polite on the phone, and was nevertheless hung up on. I have been making XXXX payments that well exceed my planned mortgage budget, on time, every month since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Good will interventions. 

Account is not mine. 

{$6000.00} Monthly payment. 

{$7800.00} balance
Product: Debt collection

Inconsistent AND incorrect contact information provided to CRA 's for : RESURGENT CAPITAL SERVICES, as follows : wrong address provided by creditor ( address verified by USPS certified mail ( receipt attached ) ) Issue 1 : ( WRONG ) Address shown on XXXX  XXXX Credit Report : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( CORRECT ) USPS verified address : C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Issue 2 : variance in contact address/POC information for reporting XXXX  reports the following contact information for CACH , LLC : Contact CACH , LLC XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  reports the following contact information for CACH , LLC CACH LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( INCORRECT ZIP CODE PROVIDED ) ( XXXX ) XXXX XXXX  reports the following contact information for CACH, LLC/RESURGENT CAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Product: Checking or savings account

Dear Wells Fargo, Dear Consumer Finance Protection Bureau, Dear All, My bank is closing my account .... 

I made a mistake by receiving my friends tax refunds to my account. I am from XXXX and so are my friends. They all have US bank accounts but they blocked their cards since they are out of US. 
My mistake was to provide my account details for them so that put account and routing numbers on their tax refund. I do apologize for my actions. 
Meantime, this was not fraud. All tax deposits received were transferred to persons or provided in cash ( I am also currently in XXXX ). You can check history of XXXX  transfers, I can provide statements of XXXX transfers with the name of people whose tax refunds were deposited. Again, part of deposit were transferred via XXXX, you can check history .Other part were withdrawn through ATM and gave in cash ( you can also check non Wells Fargo atm withdrawals in transaction history ). 
I was trying to do favor for them and I am being punished for that. I can not blame my friends, I can not blame my bank. It is only about myself, only my fault. 
As I am outside of USA, I did not receive a letter from my bank about account closure. I found this out only when I was trying to move funds ( my part of income from freelancing ) to my bank on XX/XX/XXXX. It was turned bank. I immediately called and asked the reason. The specialists were unable to provide a reason but said account will closed on XXXX XXXX today is XXXX. Meantime I have looked through my actions, my faults which led my bank to discontinue business relationship with me. It is not my bank being unprofessional to me, instead I was being unprofessional to my bank, placing him into vulnerable situation. 
Another concern is that I should be having my payment transferred to my bank at the end XXXXbeginning XXXX. I am in desperate position, since I can not change account, it was already sent out along with task. It takes months of requests to direct it to another account. And this is happening during this hardship, the most serious financial tension, Covid-19, when people left without jobs, without source of income and I am making this stupid thing to loose my bank and loose this payment on time, which is vital for my family. As I breadwinner, I will be betraying my family, again, only because of my stupidity. 

I love my bank, I wish to keep my bank. 
I ask my bank to give me a chance to mend myself and show. I ask Consumer Finance to reach my bank to help me.
Product: Debt collection

I had an outstanding debt to XXXX XXXX for {$4300.00} that I settled and paid. Acknowledgement of Full Satisfaction of Judgement in association with this debt was filed on XX/XX/XXXX with the Superior Court of California , County of XXXX by the legal judgement creditor XXXX XXXX XXXX XXXX ( assigned of record LVNV Funding, LLC ). The case number was XXXX. 
After the judgement was satisfied in full, XXXX XXXX XXXX has contacted me 3 times by letter trying to collect this debt. Each time, I have responded within 30 days to let them know that the debt has been settled and that I dispute any further obligation in relation to the debt. Despite my attempts to send them copies of the court documents to prove the settlement of the debt, they continue to reach out to me regularly stating that their records show that I still owe the debt or that they are collecting on behalf of another company. 
At this point, I no longer want to be contacted by them because I realize they do not care that the debt no longer exists since they dismiss the proof I have provided. 
Letters they sent and response dates : 1. Letter dated XX/XX/XXXX, I responded on XX/XX/XXXX 2. Letter dated XX/XX/XXXX, I responded on XX/XX/XXXX 3. Letter dated XX/XX/XXXX, I responded XX/XX/XXXX I am including a copy of each of the 3 letters that I sent in reply to them and I am also attaching a copy of the Acknowledgement of Full Satisfaction of Judgement from the court.

I have also received a letter from XXXX XXXX XXXX XXXX  and 3 letters from XXXX XXXX XXXX in relation to this debt ; all of which I responded to. Please also see these letters attached here. 
Thank you for your assistance!
Product: Credit reporting or other personal consumer reports

LexisNexis reported to XXXX XXXX company that I was in an auto accident in XXXX of 2023. I had not had an auto accident at all in that calendar year. Please contact them and have that information removed. My husband and I have been unable to reach a representative at LexisNexis secondary to their answering machine only having options to request information. Their website is only able to be used if you have purchased one of their products. 

This information is false and leads to higher auto insurance rates for us.