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

I have these items that are not mine and i want them to be removed. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB AUTO  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft JPMCB AUTO Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card or prepaid card

I currently have 2 credit cards with Comenity Capital Bank ( Ulta and XXXX ) and 1 card with Comenity LLC ( Lane Bryant ). Beginning on XX/XX/22, all of Comenity 's websites have been down for " Scheduled maintenance '' with no ETA of when accounts will be available. A message on the websites instructs account holders to make one time bill payments, however their one time bill pay is also down. Calls to their customer service line were met with a message that the system the agents use is also down and they have limited information. The most I could get was when my next due date is. According to their XXXX and XXXX, the accounts should have been accessible today, but no luck. I tried calling customer service again this morning, but a recorded message stated that " due to unforseen circumstances their offices are closed. '' Repeated attempts to get answers from the company via social media from numerous users has been met with vague messages that are clearly recycled copy text and not an actual person responding. At this point I'm concerned that there has been a security incident and my information and or credit history is at risk. Also, Comenity has made no statement about late payments in regards to this outage. I would like help in getting this resolved and getting some answers.
Product: Credit reporting or other personal consumer reports

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 THESE ARE ALL FRAUD HARD INQUIRIES
Product: Debt collection

I had 2 bills from XXXX XXXX for a total of {$120.00} that I paid in XX/XX/XXXX. I subscribe to a credit monitoring service and got an alert a few months ago. I've never received any bills from the collection agency or XXXX XXXX. I used the bill pay option through my insurance company to pay the bills. I called XXXX XXXX and after several calls and emails they said they received proof of payment and would " send to correct department to review. '' That was on XX/XX/XXXX. I disputed with all 3 credit agencies. XXXX removed it the same day. XXXX and XXXX both say the debt has been reported as accurate. Even if I wanted to pay the collection agency, PlusFour, the number is out of service. I've disputed twice each with XXXX XXXX XXXX and included proof of payment and they just keep saying the same thing.
Product: Payday loan

I made a loan with MyPayDayLoan.com. Shortly after making the loan, I was not able to repay the scheduled payments. I have a tax lien filed against me, and my pay has has been garnished. In the process of trying to make a repayment plan through a debt counseling company, they refuse to work with them. Meanwhile they call me numerous times per day and at least one email each day trying to collect. I have attached two of their most recent emails for your review. One, I consider to be threatening as they claimed to have reported my bad check to Contribution, a service of SCAN??? I never sent them a check in any form. My complaint is ... They refuse to work with XXXX XXXX XXXX to receive payments. XXXX is not a debt settlement company. I made arrangements with XXXX to repay the entire amount of the loan.
Product: Mortgage

Mortgage was paid off to Homepoint on XX/XX/2020. Company claims check to refund the escrow account was issued on XX/XX/2020 and sent out on XX/XX/2020. This check has never been received. I called numerous times and it wasn't until XX/XX/2020 that I was told the previous check was being cancelled and a new check would being issued on XX/XX/2020. I called Homepoint on XX/XX/2020 and was advised the new check still had not been issued. I called Homepoint on XX/XX/2020 and got the same response which prompted me to ask for a supervisor. The supervisor I spoke with ensured me she was escalating the claim and that she would contact me back via phone to tell me when a new check would be sent ... ..I never received a return phone call. I called Homepoint on XX/XX/2020 and the representative I spoke with told me the check was SENT on XX/XX/2020. I made sure to verify the check was actually SENT and was told it was sent! After waiting over a week for the check to arrive and it hadn't, I contacted Homepoint again on XX/XX/2020 and was told that the check had been issued on the XXXX but as of the XXXX had not been sent out ... ..over a week later!!! I was sent to the escalating department where I was told by the representative that he would email me back which never happened as of this time. It will be 2 months on Sunday since this mortgage was paid off and I still do not have a refund check for my escrow funds in the amount of {$3300.00}. I have been given a run around for 2 months now with excuses and wrong information. I asked if the money could be wired and was told no because it cost money to do so. I also asked if they could put tracking on it and they said no. At this point I don't have much faith that a check was ever mailed out in the past 2 months!!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXXXXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXXXXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of XXXX XXXX XXXX and XXXX XXXX XXXX, as well as related Code of Federal Regulations ( XXXX ) sections. 

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXXXXXX has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : XXXX XXXX XXXX XXXXXXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

XXXX XXXX XXXX- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXX  lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, i received a copy of my credit report which showed Inquiries & inquiries i didnt not authorize. You have been reporting inaccurate information on my credit for sometime now. I have contacted XXXX and filed a complaint, contacted the state attorneys office and filed legal documents in defense of my credit being used without my consent. You are liable for all the damage thats has been caused with the inaccuracies I have found on my credit report and will pay the consequences once the investigators are done investigating this situation on credit fraud. I have been advised by my lawyer not to contact you or any contact what so ever. This is was my final warning and goodwill letter of dispute and affidavit to remove the inaccurate information you place on my credit file. I understand and I am aware that you should not put an inquiry on my file unless i have approved it, gave you any consent which I didnt. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. This has been my 10th time contacting your department, Ive sent in the certified letters and information but the creditor and credit bureaus continue to ignore my request. Youve violated me and my rights. 

List fraudulent inquiries & accounts : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX. FI XXXX Cars 5. XXXX XXXX 6. XXXX Bank 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. Capio 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX 15. XXXXl XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX XXXX
Product: Debt collection

i paid this particular accout back in XXXX sometime it was paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a loan consolidation advertisement from XXXX XXXX XXXX thru the us mail. When I called it turned out to be fredon debt relief. The salesmen took my info and told me that I should stop making payments to the cc companies and instead make monthly payments to a dedicated account. He assured me that fdr would negotiate with the cc companies and I would be debt free XX/XX/2019. I was told that a lawyer was not necessary but if needed I should use XXXX I like an XXXX drank the cool aid. 

After two of the cc companies were in settlement the third filed a court case against me. When I contacted fdr I was put in contact with a lawyer from XXXX   who informed me that I would need to make two balloon payments of {$5000.00} and increase my monthly dedicated account payments by over 50 % for the next 20 months. From what I can tell from their dashboard the reason for the increase in deposits was to pay their fees. 

When I objected to these terms with a XXXX lawyer I was told to contact fdr. When I contacted fdr I was told to contact XXXX. One of the XXXX lawyers even told me that due to the size of the debt the bank involved will not negotiate with fdr. The lawyer  for the bank even called me and said I would need a lawyer. 

The lawyer for XXXX told me that I needed to sign an agreement, that my only other option was bankruptcy. When I offered to pay at once instead of a structured settlement I was told I would be paying the same amount. I was never made aware of the ramifications associated with signing. 

I ran into money problems in XX/XX/2019 and was not able to make the second to last payment of the agreement on time. In XX/XX/2019 I contacted XXXX and a lawyer told me I should contact fdr. When I contacted fdr I was under the impression that it would not be a problem. At no time was I told that missing the payment would void the agreement nor was I given any other options on paying. 

When I called an XXXX lawyer for clarity on the matter he told me to contact fdr and laughed at my perdicement. I am being told that the payment plan was voided after the XXXX payment was skipped yet payments for XXXX & XXXX were processed. The XXXX payment was skipped by fdr so they could collect the last of their fees leaving the account short funds to make the final payment to settle the account. w Every time I emailed fdr on this matter I was pretty much told to call their 800 # to speak to a representative.Unfortunitly thats what got me in trouble in the first place. When I ask about what they have done to settle the account I get no answer. When I ask if they contacted the creditor in XX/XX/2019 concerning a late payment I get no answer. When I ask why I was not alerted to the fact that they were going to collect their fees instead of paying my creditor I get no answerXXXX
Product: Debt collection

ATG responded on CFPB XXXX # XXXX, they'll remove collections account from my credit report and send proof of debt on XX/XX/22. As of XX/XX/22, I was notified that this account is reporting on my XXXX and XXXX credit report when at first it was only reporting on XXXX. They stated that'll remove it it should've been removed immediately instead they posted this unverified account to the other credit bureaus. If this account isn't removed from my credit report by end of business day on XX/XX/22, I will file a complain with the attorney general and a small claims against them and request that they pay all lawyer'e fees as they're validating my consumer rights to be informed of this debt. The documents that they provided in the previous case showed a 0 balance so this make me think they're con artist and they need to be sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a compliant with the three credit bureau 's and the investigation took well over 30 days.
Product: Prepaid card

I was given a XXXX Amex gift card as a XXXX gift for the company that I work for that had {$250.00}. Since getting the card I have tried to place a chipotle order ( 6 times which took {$0.00} out of it each time ), an XXXX order ( 5 times which took another {$0.00} ), and a XXXX  XXXX order. The card was declined each time and I am unsure why. I have searched up if this has happened to anyone else with an Amex XXXX gift card and saw that this is normal for them. Almost everyone who has one is unable to buy anything with their card and their money has been stuck there.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

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

I go online to the website and get an error message each time. Six months ago finally got through to a live person and they promised to fix the problem, they have not. Now I try to get another person and their AI system takes information and then does not connect to a person. I have tried four times and wasted hours trying to fix the issue. I can not get a copy of my report without sending information about myself that could lead to Identity Theft if sent through the mail.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I had an account placed on my credit report by Afni, Inc. they have been advised that this is fraud and identity theft. I have provided them affidavits of fraud and forgery as well as police reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on XX/XX/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : Ally Financial inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX XXXX.
Product: Mortgage

Predatory interest only loan wasnt explained clearly by Wells Fargo had to pay lump some from selling the home after years of interest payments
Product: Money transfer, virtual currency, or money service

I have been using Binance US to trade cryptocurrencies without any problem for the last 4 montths. However, I just deposited XXXX XXXX USD into my Binance US account to trade cryptocurrency a few days agoo. When I tried to trade in the spot market 2 days ago, it says " order failed : trading disabled. '' I tried at least 10 more times in the next 24 hours, it says exactly the same thing. I tried to withdraw my crypto from the Binance US account and it says withdrawal suspended due to risk management. I was never notified in any way that my Binance US account has any problem. I was never notified by any Binance US personnel that my account trading and withdrawal would be suspended. I have searched on XXXX and found that others have been having the same problems and could not resolve the problem for 3 months. I reached out to Binance US via support email 2 days ago without any replies. Subsequently, I have sent 4 more emails without any replies. I have a total of more than XXXX XXXX USD in the Binance US account and I can not do anything with it. The market has been moving significantly and I can not trade or withdraw. With a lot of assets stuck in a frozen account and market moving significantly, with no one to help. It is extremely frustrating!!! I need someone to tell me at least what is happening to my account and if there was a mistake in disabling my trading with withdrawal.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

I continue to receive repeated calls on XX/XX/2020, XX/XX/2020 and XX/XX/2020, as well as earlier in the year, looking for a person that does not and never has resided at my address. They use an automated system with the option for reporting a wrong number and to be removed from the call list but that has not happened. I have contacted a live human and told them this information but the call continue. Please make the calls stop. To help expedite the processing of this, you need not contact me about it. I appreciate any help you can give to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}