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

LVNV Funding, LLC Recently put an account that was removed from my credit due to false information and fraud. When I started applying for credit to buy a house they popped back up there again, without me receiving any notice or information regarding an account that they posted to my credit.
Product: Checking or savings account

Citibank is refusing to close my dispute regarding a fraudulent and unauthorized charge and credit my account finally. 

Citibank Unauthorized charge Dispute ID # : XXXX Recently, I have been a victim of identity theft. My information was compromised and I have been dealing for the last XXXX months with the aftermath. My Debit card was used for an unauthorized transaction on XX/XX/2023 for the amount of {$1900.00}. I did not authorize this transactions and was unaware of it and I did not authorize anyone else to use my ATM/Debit card in any way. Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of unauthorized transaction. See especially 12 C.F.R. 205.6, 205.11. the amount should be fully credited back to me. But Citibank , N.A . is refusing to finally Crediting my account and closing this matter as they should by law. Citibank Dispute ID # : XXXX. This is an illegal act by Citibank and I should get my money back permanently. I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report which includes : My FTC Identity Theft Report and The police report about the theft of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXXD XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Credit card company continues to decrease my credit limit while I'm not using my cards but paying them down. I'm 100 % on time with all of my creditors. I made a larger payment on both of my citi bank cards and a couple days later my limit was decreased for the 2nd time. This is unfair to decrease individuals who are being responsible and not using their credit. It makes it look like one has maxed out their cards when they haven't. It's covid19 and people are struggling but decreasing ones limit damages their credit score. I still have my job and making on-time payments. I do not want this to damage my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have been disputing the errors in my credit report to Experian for XXXX months and they do not carry out any investigation. I have asked them for proof of the investigations that they supposedly carry out and they do not give me an answer or evidence, they only say that my report is correct, which is not the case. violating the laws and they harming me without respecting the law
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$15000.00}
Product: Student loan

XXXX XXXX of XXXX, Nelnet would n't let me reduce my payments until I received help from XXXX, despite showing them my monthly income and showing them how much my rent and utilities cost. I was making about $ XXXX/month, living in subsidized housing, and Nelnet wanted me to pay roughly {$800.00} a month and their representative failed to see why I could n't afford the payments. A few months later I received an inheritance from an aunt who stipulated that the money be used solely for education expenses, so I started paying off the loan with that. On XXXX XXXX, I made what I thought would be the final payment on my loan, a payment of {$2400.00}, when the total balnce that was listed as due was {$2300.00}. The next day I received an email saying I still owed {$320.00} from the previous balance. This morning, XXXX XXXX, I received an email saying I still owed from the previous month and {$410.00} for the current monthly billing cycle, totaling {$730.00}. Upon logging into my account on the Nelnet website, I found out Nelnet claimed I still owed {$0.00}, which I have once again, scheduled to have paid in full by the end of the week, even though I paid an excess of what they said was the full balance as of XXXX XXXX, XXXX. I am getting tired of their harassing emails.
Product: Checking or savings account

I havent received my direct deposit since Thursday and I always get paid every 2 weeks on Thursdays I already call my job and they told me they have deposited my direct deposit but is it no on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information intentionally after being made aware of errors. 
I have made them aware on multiple occasions that bankruptcy is excluded from a consumer report. 
Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report.

I have made them aware on multiple occasions that bankruptcies can not be verified nor validated. 
Per the FCRA, if the Credit reporting agency can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the U.S. Bankruptcy Courts. The U.S. Bankruptcy Court gave me a letter, which I have attached for your review, stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
XXXX has also confirmed that the bankruptcy information is unverifiable, and recorded as such in their system, yet Equifax is knowingly reporting this unverified information as if it were verified- that by law they are not supposed to report in the first place- to ruin my financial/credit reputation.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax numerous of times about my credit report not updating on their site. To see an accurate report I have to use a 3rd party website. I call equifax to report and file dispute and the issue never gets resolved. Due to the fact they dont see the accounts or inquiries. As well as my credit score. I dont know my actual credit score because it is different on equifax and 3rd party reporting agency. As well as when disputing anything it drastically drop the score. Then after the disputing the score come back up.
Product: Debt collection

Requested multiple times for proof of ownership, original creditors information, contract, all charges and payments made. On XX/XX/year> sent the final request by certified mail. I received a copy of a credit report that was ran for a business. In addition charges for work that was not completed.
Product: Debt collection

My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$850.00} to {$1000.00}. I appreciate Capital One Credit accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.
Product: Credit card

XX/XX/XXXX I called to get a payoff amount to pay my account in full. I was told the amount to pay the account in full was {$860.00} and I paid the account in full. I got an alert about my credit report and I checked the account and noticed that I received a bill on XX/XX/XXXX with an amount due of interest charges of XXXX plus and additional {$2.00} interest charge. I have made a complaint and asked XXXX from Ohio XXXX, XXXX from XXXX XXXX, XXXX from MIssouri XXXX, XXXX XXXX and XXXX XXXX what can I do to ensure that I will not be charged any more interest charges and they said they can not guarantee that unless I make two month consecutive payments in full then the account will not accrue any more interest charges. This is predatory finance charges and if I would not have caught it in time it would have impacted my credit negatively. I want to be reimbursed the interest.
Product: Debt collection

On XX/XX/XXXX, I noticed a pending transfer transaction of a negative - {$400.00} on my personal banking account to my open end consumer credit plan. This caused me to XXXX  out of control and I called Navy Federal Credit Union ( NFCU ) to find out who fraudulently transferred money out of my account. The NFCU customer representative named XXXX told me that my account was not hacked and that it was NFCU Collection Department who transfer the money fraudulent without my approval or request. When I asked XXXX why did NFCU Collection Department would fraudulently transfer my money to an open end consumer credit plan that I extended to NFCU to extend back to myself she responded by saying I should call their collection department to find out. 
In addition, NFCU Collection Department also sent a deceptive debt collection letter to me that included their company logo, false reporting to credit bureaus instead of credit reporting agencies, accusing me of owning a debt on my open end consumer credit plan that is suppose to reset after the balance hits its max limit and a finance ( interest/percentage rate ) charge ( {$50.00} or less ) is paid. NFCU also fraudulently transferred a negative - {$360.00} of my money to my open end credit plan on XX/XX/XXXX. NFCU is not properly handling my open ended consumer credit plan properly and that is causing me a great deal of XXXX XXXX  and reporting negative information to credit reporting agencies, and stopping me from extending line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT MEDICAL TREATMENT IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDED BACK TO MY REPORT.. THE FOLLOWING COMPANIES PLACED ACCOUNTS ON MY CREDIT REPORT WITH OUT PROPER NOTICE.. THIS IS A VIOLATION OF FCRA.

1. XXXX XXXX XXXX, {$1000.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

2. XXXX XXXX XXXX, {$380.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

THE FOLLOWING ACCOUNTS BELOW, ARE FRAUDULENT, IVE NEVER DONE BUSINESS WITH THE FOLLOWING COMPAINES, IVE NEVER ENTERED INTO A WRITTEN CONTRACT WITH THE FOLLOWING COMPANIES. 

1.PHOENIX XXXX {$1900.00} 2..XXXX FINANCIAL {$1300.00}
Product: Credit card or prepaid card

For the past year I have been asking CBNA/SHELL to remove me as an authorized user. I have called and sent letters to the bureaus and to CBNA directly to get removed.
Product: Checking or savings account

Capital one stole my money! Without any notification capital one accessed my account and withdrew funds from a ppp loan now I have no idea whatsoever where that money has gone because they did not properly notify me.
Product: Money transfer, virtual currency, or money service

In an attempt to withdraw funds from Coinbase Pro due to the absolutely pathetic Coinbase customer service ( I filed an additional CFPB complaint due to the company erroneously stealing my money by placing a trade that I did not authorize ), I sold my cypto assets ( XXXX, XXXX, XXXX ) and converted them to USDs prior to transferring the USDs to my regular Coinbase account. 

Due to my prior issues with Coinbase, I had to reset my account email address to an old email account ( XXXX ) rather than my active, preferred email address ( XXXX ). When attempting to log onto Coinbase, I was asked for two-form authentication. I have never performed such authentication with past deposits or withdrawals from Coinbase. 

To make matters worse, the old email address I now am forced to use on the account is no longer active. I filed an inquiry/complaint online, as this awful company requires, and I have yet to hear back over the past week. 

Once again, Coinbase 's blatant disregard for customer service has kept me from MY money. It's truly criminal that there is no expeditious mechanism for getting access to my own wealth. I truly hope the CFPB cracks down on this pathetic company, and I vow to never use this platform ever again once I have obtained my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX  XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}
Product: Mortgage

I did a streamlined refi that closed in XX/XX/XXXX. On XX/XX/XXXX I was sent a letter by the city saying my property tax had not been paid. I sent an email to Freedom Mortgage on XX/XX/XXXX asking why it hadn't been paid and what happened to the money that was in escrow. No response. A call to the city XX/XX/XXXX to see if the payment had come in since they sent the letter. No payment received. I called Freedom Mortgage on XX/XX/XXXX. Spoke to XXXX. Research should be done by Tuesday, call on Wednesday. Called Freedom Mortgage XX/XX/XXXX. Spoke to XXXX. Completion date is XXXX. That means research should be done that day. I asked for written notification of resolution. On XXXX I received a notice from Freedom Mortgage that I no longer had insurance on my home. This should also come out of escrow. Called my insurance company. Insurance was paid XX/XX/XXXX and was good through XX/XX/XXXX. Called Freedom Mortgage. Confirmed insurance issue was resolved. Asked to be transferred to tax department. Spoke to XXXX. Research was expected to be completed today but there are no notes. XX/XX/XXXX. No response yet. emailed them again. XX/XX/XXXX, no email from them yet. emailed them again. XX/XX/XXXX. Called city to see if taxes had been paid. No. Balance due has increased again because it's late. Called Freedom Mortgage again. Spoke to XXXX. The last note is from XX/XX/XXXX. States they are waiting for Single Source Title to verify payment was sent to the city for taxes. I asked for their number so I could confirm. He stated they did not have that information. I asked to speak to a supervisor. After waiting 20 minutes, the call was disconnected.
Product: Prepaid card

I requested unemployment on the XXXX of this month and have not received my card even though I have 2 full payments on the card, and no one will tell me a date of arrival. 
I have tried speaking with way2go customer service and can not reach anyone to address this issue. I need this card re sent and expedited next day air. 
UPS is saying this has to be handled by the sender and offers no assistance.
Product: Credit reporting or other personal consumer reports

Hello this is XXXX 

You sent my credit report but unfortunately through the investigation you still did not fix the reporting you said that it is verified as accurate When it is not you still have an XXXX on XXXXXXXX XXXX  on XXXX and XXXX on XXXX for my car payment you don't have a check mark of " okay '' saying that it is on time why are you still reporting as if it is " unknown data '' being reported I've been paying on this car for 3 years and now all of a sudden this error.. please fix this on XXXX XXXX XXXX  Account XXXX 

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

I did not apply for credit with these companies and I do not know about theses inquiries on my credit report. In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 620 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 an account without my written instructions.

Responsibilities of Furnishers of Information To Consumer Reporting Agencies [ 15 U.S.C. 1681 Section 623 Section 2 ] ( a ) Duty of Furnishers of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

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.
Product: Debt collection

MY daughter began service with XXXX XXXX. She cancelled her account prior to the contract period. She has paid her debt for the remaining months of the contract. She has received notice from them that her debt has been paid. XXXX from XXXX XXXX XXXX XXXX keep calling trying to collect $XXXX plus from her. She calls once a week. I have told her the debt is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.  XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Mortgage

wells, XXXX teachers fed cr union in ny, and myself were not serve notice from the hoa. I therefore should not be responsible why the hoa did not serve us. Condo was forclouse and new title issue on XXXX XXXX, wells paid pty taxes on XXXX XXXX and town should issue a refund to wells
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to improve My credit score so I can move my Family of seven into a three bedroom apartment instead of living in only one room period. I called Receivables Performance Management onXX/XX/XXXX to delete, remove or erase the negative remarks or comments from my charged off account that is reporting negative to the credit bureaus. They said they would be happy to help me resolve this issue by payment plan, settlement, or payment in full of {$380.00} before thirty days. I asked for the best possible out come and they indicated payment in full would lead to a positive reflection on my score. I chose the settlement option of two part payment of {$100.00} for the total of {$210.00} because I had no assets to liquidate for the full amount. I waited 45 days and pulled my credit report, still reporting the same negative comments. One year later I called in several time to see what happened, they indicated it's in their policy to deny any such requests and refused to continue the call and they hang up on me each time. Receivables Performance Management indicated I have no rights under the law to challenge their policies and I would not be able to depute this item on any of my reports to get a better score for the benefit of my family 's living condition, So I need to start Accepting it ASAP period!!!!!!! Theirs no law to challenge this on my behalf. This is the mine set of this company.
Product: Debt collection

I was receiving calls for collections on a loan for XXXX starting since XX/XX/XXXX on a loan opened in XXXX in my name that I did not sign for, I then noticed it appeared on my credit report under a different company so I did further investigation. It seemed as all the same info matched as the prior company that would call me, my family saying it was an emergency, I explained to the company that I did not apply for a loan I did not work the places listed as stated, I do not bank at the institution where the money was deposited to. I did not apply for a loan. Its not my loan. I have now filed 2 police reports of identity theft I have contacted the 3 major credit bureaus, I have filed an FTC affidavit of fraud. I dont know what else to do but I will not stop I can tell you that. I will NOT pay for a loan that is NOT mine! I told the company who is trying to collect if they trace down the Name to bank account it was deposited in to, Maybe that would solve this whole mystery?