23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The 3 Credit Bureaus are reporting inaccurate information on SANTANDER ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred ( online ) {$16000.00} in crypto currency to

my account at Coinbase Exchange. By mistake, I sent a form of curre ncy that Coinbase does not handle.
Just the same, Coinbase accepted the deposit onto their deposit address.

The currency was not deposited to my account, and it was not returned back to me.

Coinbase now says it is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts Amount Date Opened XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PARK XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the handling of my account # XXXX. It has been over XXXX months since I moved out, and I recently received a notice claiming I owe a debt of {$960.00}. This unexpected notice has been stressful and inconvenient. 

I have repeatedly requested receipts for each line item listed in the debt notice. To date, I have not received the requested documentation, which I find unacceptable. Furthermore, I was informed in your correspondence dated XX/XX/year>, that collection activity and credit reporting were suspended during the investigation. Despite this assurance, the debt has been reported on my credit history. 

The contradictory communication and lack of transparency in providing the necessary documentation have caused significant distress. I urge you to immediately remove this debt from my credit report and provide the detailed receipts for each charge as initially requested.
Product: Debt collection

They contacted me and identified the debt amounting to {$380.00} and I never received information to verify and validate the debt.
Product: Debt collection

I received multiple emails reported under spam in my email account, from pinnacle credit services. The company stated that I owe the amount of {$190.00} from a previous debit with the company XXXX XXXX XXXXThe email stated that the account went into default in XX/XX/XXXX and was charged of on XX/XX/XXXX XXXX middle initial is not correct in the statement as mine starts with R not L. The year i was born in is XXXX, and in the years of XXXX to XXXX I would have been around the ages of XXXX XXXX years old and unable to open any accounts till at least 18. I have 30 days from XXXX to dispute the claim. I am concerned if there was any identity theft.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX  - XXXX - XX/XX/XXXX - {$65.00} XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX  - XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I previously spoke to XXXX in the Call Center after receiving my XX/XX/XXXX statement in the US mail ( post XX/XX/XXXX close date ). The call into Customer Service was likely Monday XX/XX/XXXX. I had adjustments made for Late Fees/Finance Charges due to the conversion from XXXX XXXX to Comenity Bank. XXXX advised during that call that I would also receive XXXX bonus XXXX Reward Points. As of today, those XXXX bonus points have not posted to my XXXX account. Please investigate. 

I followed up via Comenity Bank 's Secure Mail feature on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The agents who respond to my secure mail continue to re-direct me to XXXX. The issue is XXXX can not apply points for something they are not advised to do so from my credit card company. My view is Comenity promised me these XXXX bonus points, so therefore XXXX needs to take action to contact XXXX on my behalf and get these XXXX bonus points applied. 

See XXXX reward points per my XXXX Rewards account : Date Details Points XX/XX/XXXX Points Earned for Entertainment purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Everyday purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Restaurant purchases on your XXXX Card XXXX XX/XX/XXXX Reward XXXX XX/XX/XXXX Reward XXXX XX/XX/XXXX Pass ( Purchase Power ) XXXX XX/XX/XXXX Pass ( Activation ) XXXX XX/XX/XXXX Points Earned for Entertainment purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Everyday purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Restaurant purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned XXXX Card Purchases XXXX XX/XX/XXXX Points Earned XXXX Card Purchases XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 Conn Credit Corp XX/XX/2017 - XX/XX/2017
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle have failed to investigate my claims. They've informed me that recovering lost funds was impossible and that tracking any of the transactions was infeasible. They've informed cfpb findings indicates Zelle has neglected to protect it's consumers
Product: Credit card or prepaid card

Macy 's opened a second credit account in my wife 's name without her consent. We already have an original credit card in her name which we received and accounted for many years ago. Both cards were issued by an entity called Department Stores National Bank. We only learned that there were two different credit card accounts because we received a telephone call for non-payment of a bill when we had paid the bill on the original account. Apparently they shipped her a card for the new account making it seem like she had received an " award '' for her prior shopping. In this manner they were able to collect interest for an overdue payment. On the back of the new card there is, in very fine print, a statement that says, " By use of this card, you agree to all the terms and conditions in effect at the time of use. '' To be clear, we never authorized the opening of a second credit account and consider this action to amount to a fraud. Upon contact from Macy 's on XX/XX/2023, we immediately cancelled the second account.
Product: Credit card or prepaid card

Citibank has been calling and harassing my family members about a credit card that I didn't open or use. Citibank opened this card and apparently allowed someone else to access the credit on the card. This account is not mine. I am a victim of identity theft. I have attached copies of documentation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received an email from XXXX XXXX saying a hard inquiry has been added to my credit report. I logged in and checked there were 5 new hard inquiries on my report that I did not authorize nor have any idea where they came from. I have not applied for any new credit cards, loans, or car loans. I also checked the personal information section and there was a company listed under employer called XXXX XXXX XXXX XXXX which I have never worked there or heard of that company. Also in the personal section there was 2 additional names under mine. Which I only use one name my whole life.
Product: Debt collection

XXXX XXXX HAS CONTACTED ME AND PEOPLE RELATED TO ME MULTIPLE TIMES A DAY. GIVEN OUT INFORMATION THAT SHOULD NOT BE GIVEN OUT. EVERYTIME I CONTACT THEM, I CAN NOT TALK TO THE SAME PERSON. THEY ARE HARRASSING ME AND PEOPLE RELATED TO ME
Product: Credit card

Boa business credit card offered me {$50.00} in points to not close out my account. I accepted the service reps offer via on XX/XX/XXXX and was told it would post on XX/XX/XXXX. Its still has not posted and when I call for status they told me it post on XX/XX/XXXX - still has not posted. I since called back and getting no answers if and when the points will post.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit reports from Experian ( Report XXXX : XXXX ) and discovered that the reported dates for when a credit account was opened were incorrect. Both Experian and XXXX are reporting different and inaccurate dates, which do not reflect the actual date this account was opened. 


I disputed this information online through the dispute portals on both Experian and XXXX. I also called and spoke with a representative from Experian and XXXX to discuss the inaccurate information and request that it be corrected. The representatives acknowledged my dispute but failed to provide a resolution or correct the errors. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, credit bureaus must investigate and correct any inaccurate or unverifiable information within 30 days. 

Despite my dispute, Experian and XXXX have failed to correct the inaccurate account opening date and continue to report incorrect information. This is a clear violation of : FCRA 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy in consumer reports.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Any unverifiable or inaccurate information must be removed or corrected within the required timeframe.
Product: Credit card or prepaid card

On XX/XX/2020, I used a Citi credit card to pay {$330.00} for the HOA title inquiry fee. After some time, I eventually begin to forget about this payment. And afterwards initiated a dispute over the transaction. Then my proxy alerted me that this transaction has been canceled, it was then I realized that the transaction is normal. My proxy told me that the transaction failed, and I need to pay again. When I checked the banks serial, I saw that the transaction was indeed cancel. So, I re-paid the transaction with my XXXXXXXX XXXX  credit card, as well as provided evidence to support my dispute. What I didnt expect was that two weeks later, Citi bank replied to me saying that I still need to pay this incurring amount. 
It was strange, first, my HOA did not receive this fee, otherwise they will not notify me that the transaction was not successful. Second, I provided evidence that proofs my dispute. Why does Citi bank still asking me to pay the fee after that?
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act NATIONAL CREDIT ADJUST 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

I wired {$7000.00} to my coinbase account on XXXX/XXXX/XXXX. The money was supposed to arrive the same day. I contacted customer support several times and received no response. It has now been a week, my money has never shown up, and I have still not received a response from their customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX , I ordered clothing from  XXXX   XXXX . Sales person ask me to open a credit card account, which I did. She never mentioned it was actually a credit card thru  XXXX   XXXX  which had I known, would not have authorized.     As soon as I realized this, I called  XXXX , talked to a  XXXX   XXXX   XXXX  and he agreed to cancel this account. This did not stop  XXXX    XXXX   from sending me a bill even though I paid off the purchase in  XXXX  of  XXXX . They enrolled me a VIP program and sent a credit card which I never confirmed or never used.  XXXX  continued to bill me {$14.00} month. I refused to pay and ask for signed proof of requesting their card. Never received my request. This is much like  XXXX   XXXX  fraud.     In meantime,  XXXX   XXXX  turned the acount over to  XXXX   XXXX , who this complain is about. I have explained to them this situation. They continue to harass me with at least  two  times a day, even though I have requested proof that I signed any paper work authorizing this credit card.
Product: Credit card or prepaid card

I made purchases totaling around XXXX dollars from XXXX to XXXX and paid all balances. However, Amex thinks there is risk with me and conducts a financial review. I submitted all my documents but they do not recognize incomes from XXXX, which is my only income source as this year I have been staying in XXXX to work. So I did not pass the financial review and they cancelled all my cards. This means all points I earned during this time period has gone. 

I have committed to this financial review process and showed them all my income source with regular direct deposit, as well as my XXXXXXXX XXXX with more than XXXX dollars inside my checking accounts. So Amex should be responsible for and compensate all my loss.
Product: Consumer Loan

I am co-buyer on a vehicle for my niece which does n't communicate with me anymore. I feel threaten by Ford Credit to jeopardized my credit due to my niece not paying. I have spoken to several different service reps at ford credit. I asked if they could contact my niece to find out if shes going to pay. I also asked if they could locate vehicle because I believe she has no intentions of paying.If I have to pay than I need vehicle in my possession. How do I handle this situation?
Product: Mortgage

Mr. Cooper is servicing my loan and believe they purchased my mortgage loan from some other company. Now they have assigned the Mortgage to a company that is already a subservicing company in the same company. 

CFR 1024.33 ( B ) ( 2 ) VIOLATION SEE ATTCHED DOCUMENTS VIOLATION OF REGULATION X
Product: Debt collection

ASK TO VERIFY DEBT. DID NOT VERIFY. CONTINUES TO SEND COLLECTION LETTERS TO MY MAILING ADDRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I cancelled my service with XXXX  on XX/XX/XXXX. In XX/XX/XXXX XXXX withdrew {$180.00}. When I called XXXX  on XX/XX/XXXX to investigate they to told me the over withdrawal was their mistake and they would issue me a refund for {$120.00} I was promised a refund and as of today XX/XX/2018 after calling XXXX  month After month I have not received my refund and now XXXX reps are disputing with me. I have a balance debt with XXXX  for {$130.00} for terminating early but what about my refund? Why did they withdraw {$180.00}. On XX/XX/XXXX if I canceled my service on XX/XX/XXXX and I still have a balance debt with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXXXXXX XXXX {$0.00} / XX/XX/2020
Product: Money transfer, virtual currency, or money service

On XXXX 2020. I got a call from Usaa XXXX representative alerting me about suspicious activity on my account saying that was breach to my account using my XXXX address login in on XXXX device and making some transaction made with " XXXX '' XXXX telling person on the phone that my account was compromised and that wasn't me disputing all activity, transaction or even possessing same XXXX device and making transfer of {$10.00} and {$1000.00} thru " XXXX '' I'm reporting fraud and asking agent to lock my checking account, she told me If i do that i need to change my all credentials which I did same night. Next day on XXXX XXXX I'm going to Usaa bank to talk to Usaa representative but i found my self in office with computer and phone that i can use to " talk to '' someone .I did talk to XXXX XXXX XXXX on the phone and she also told me that XXXX is still connected to my account and she will remove it and they agents will investigate my case. Next days I been on the phone hours with multiple usaa agents been transfer from XXXX department to another leaving numerous voicemail to agents that they supposed to talk to me asap assigned to my case witch they never get back in contact with me. I found denial letter on XXXX that i couldn't get excess until XXXX because my online account been suspended or locket again. In same letter said my claim submitted on XXXX been denied because they investigation shown no fraudulent activity found. XXXX closed. 
Today is XXXX XXXX spend XXXX hour on phone to get copy of documentation doing investigation so i can file report to police they told me I can get them by XXXX. and if i want to denied they decision i need to send proof of identity theft. They are so unprofessional and not organized. My husbands XXXX account been compromised same day with same XXXX XXXX but he got his money back and his problem was solved by XXXX representative same day. No problem no investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, without any authorization, do not belong to me. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 3 dispute letters and a previous CFPB complaint regarding fraudulent inquires that are on my credit! I DIDN'T AUTHORIZED ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRES AND VIEW MY CREDIT REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 161B ( C ) AND A SERIOUS BREACH OF MY PRIVACY RIGHTS. 

PLEASE VALIDATE THIS INFO WITH THESE COMPANIES AND PROVIDE MY 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 THAT YOU MAINTAIN UNDER MY SOCIAL SECURITY NUMBER PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT!
Product: Payday loan, title loan, or personal loan

From  XXXX   XXXX    XXXX  , I filled out the required information for a checking account over draft protection line of credit. First rejection letter from Huntington said that they could not verify my address. So I went into the branch to verify my address filled out another application. Second rejection letter from Huntington said my application was a duplicate inquiry ... .. therefore it also was rejected. I have called Huntington and wr ong two le tters and NO RESPONSE! I can only assume I am being discriminated against/based on where I live???????
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I have R/C Resurgent Receivables trying to collect on an alleged debt for {$840.00} On XX/XX/2024, I sent a cease-and-desist letter along with a notarized letter requesting validation of the alleged debt along with a copy of the original wet pen agreement stating that I am indeed responsible for the debt. 
I requested that they provide me with the documents within XXXX days and if the documents were not forwarded within that time frame that the debt would be null and void. 
It has been more than 60 days, and it is negatively reporting on my credit report. 
This is my second attempt to have this item removed despite also being a victim of identity theft across all three bureaus. I'm absolutely begging to have this item removed as I have not given any written consent for anyone to report anything on my credit report. I have postal receipts to prove the dates in question along with photocopies. 

Thank you kindly,