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

In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened with all three dealers and involve XXXX XXXX, XXXX  and Experian credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these inquiries removed immediately.

If you have any questions, you can contact me directly.
Product: Debt collection

Affirm has reported on my XXXX report and certified twice, the last time was XX/XX/XXXX, that I owe {$90.00}. However, I paid the creditor that they sent to the account to, XXXX XXXX a debt settlement of {$63.00} on XX/XX/2023 to settle the account. I provided documentation of these payments and a screen shot of the payment updated in Affirms system to XXXX along with the dispute but Affirm has stated both times that no payment has been made. My account should be updated to {$0.00} owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have this removed off of my credit because I never authorize this
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX BALANCED {$440.00} XXXX XXXX BALANCED {$0.00}
Product: Mortgage

So of course I put a complaint last month against my mortgage company Mr. Cooper and seems like I have to do this every month. I was approved for the Florida home owners assistance fund for XXXX past due payments and forward payments .they were bad paying in XXXX. I filed a complaint and they payed it. They didnt pay XXXX but they have payed other customers fir XXXX. This is inexcusable and they are a terrible company .lets face it, everyone complains about them. Just pay the XXXX payments because I am not paying the late fees. Thats there fault and they have the money, dont let them fool you. If you look at the payment history the last few months. They have that money, they must be collecting interest on it.
Product: Debt collection

There was not an option for my problem. This report has showed on my credit and damaged my credit for 7 years and 6 months. I have tried for almost a year to contact the company with no return calls. When I call the number one of the office braches have given me for the main office that takes care of the debit I always get an answering machine, I leave a message, and they never return my call. I have been trying to buy a house and this debit that I am not able to pay is damaging my interest rate. I have disputed this account thru XXXX XXXX and the return response was they were going to remove from my credit but it remains as a {$230.00} charge-off. Please remove this account from my credit so I can buy a house!
Product: Credit reporting

The company XXXX sold my account to a collection agency by the name of XXXX, XXXX XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.
Product: Payday loan, title loan, or personal loan

I have applied for American Express and have been turned down five times, Im tired of denial dont approve people with perfect credit we all equal Im tired of being discriminated against just because of low credit, these credit acceptance is XXXX stop only accepting perfect credit people with XXXX if I can make payments then I should get approved I have a job dont only assume low score Im not a XXXXXXXX XXXX XXXXXXXX change your credit ways of approval
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report, these companies do not have permissible purpose for these inquiries. Please remove them ( 15 U.S. Code 1681b - Permissible purposes of 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
Product: Student loan

XX/XX/XXXX I emailed in a signed payment allocation letter after speaking to Fedloans about 0 % interest applied. I asked on phone too that payments beyond min due go to loan with lowest balance. I have email confirmation of this XX/XX/XXXX attached. Its been a year and payments not applied in this way. XX/XX/XXXX Im told its because I rejected the foreberance since no payments are required until XX/XX/XXXX. The rep hung up on me. Previously I was told not to pay extra while on PSLF program and I removed the pay ahead status. I was in qualifying payments plan working for nonprofit for a year only 4 payments were applied! I was also charged future interest after satisfying the capitalized interest due. Ive sent multiple allocation requests or asked many times by phone on how make extra payments towards principal. Ive even allocated on website. Its a consolidation. Last XXXX I was told payments would be applied or transferred to lower balance loan its NOT not happening. XX/XX/XXXX told the same. They have lost forms or letters to verify income job placement when I get fax confirmation. I transferred this from XXXX in XXXX and big mistake. Were looking to refinance or move servers when 0 % ends and have open disputes with the lender. Ive not received any emails since XXXX so I updated my email online. 

Attached are the two payment allocation letters and information on lender site about being able pay loans off faster. Attached are copies of bills from XX/XX/XXXX and XX/XX/XXXX. Attached is receipt of my compliant against lender regarding public service loan forgiveness repayment program.
Product: Credit card or prepaid card

Today XX/XX/22, I called Citibank and spoke with a supervisor XXXX in Florida. I requested that o ask for interest charges to be reversed. I have never asked for this before nor have I been late. I have been a customer for over 5 years and they were not willing to work with me. I was just a couple of days after the due date and paid off my balance as I always do. I just want to say that this is disheartening that a bank could be so cold. The hardship of living in this new norm along with the high price of inflation hasn't made it any easier on us. This is so wrong that Citibank is unforgiving and not willing to ease the financial crunch in our lives.
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/XXXX when I looked on my credit report with XXXX transunion and XXXX there was a dispute on all of them that I had no knowledge of when questioned the three bureaus I was told that XXXX  XXXX auto finance was allowed to put a charge off back on my account that had been previously deleted a few months ago and was told the account had never been blocked as asked in my previous complaint. On XX/XX/XXXX th XXXX  I contacted capital XXXX auto finance directly and I spoke with XXXX at XXXX XXXX  l spoke to XXXX and XXXX and was told l couldnt speak to anyone in the fraud department so I was left to contact an attorney to start litigation. Although I am a victim of identity theft I was told its not against the law to report inaccurate unverified information on my credit report at this point l am devastated because of the fraud and level of dishonesty. I was told by the three bureaus that I was told that I couldnt send supporting documents because they allowed someone to commit fraud by having access to my credit report without my knowledge at this point l need help l have no other negative information on my report except for this fraudulent XXXX  XXXX account that I have no knowledge of and is not in any way connected to me l do have a FTC report and the bureaus noXXXX XXXX XXXX XXXX XXXX  is not willing to do anything to rectify the situation I am asking that the account be blocked and deleted as I have already shown that in previous months also in reviewing the information on my credit reports the dates and amount for XXXX XXXX XXXX XXXX  is different please help me in this matter
Product: Credit card

I was charged {$470.00} in interest rate from some " promotion '' that took place in XXXX XXXX. However, in XXXX of XXXX, I paid {$1500.00} towards the purchase.
Product: Student loan

Re : NAVIENT To Whom It May Concern - NAVIENT customer service agents have provided confusing information along with exhibiting unprofessional behavior. 
The firm 's agents berate me when I ask for information about my three loans. When I ask or suggest I qualify for the Biden White House 's student loan forgiveness, the customer service agents berate me. 
Since XX/XX/2021, I've been unable to resolve my questions. I only am able to reach automated voice and email messages. 
I believe I qualify for loan forgiveness, and I do believe NAVIENT is ripping me off. Their refusal to address my concerns is suspect.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Checking or savings account

I used my XXXX to pay a utility bill with XXXX XXXX on XX/XX/XXXX, on XX/XX/XXXX I got an email from XXXX saying that my account was frozen and I needed to contact Fiserv to fix the issue. I have call multiple times daily and can't reach anyone to explain the problem and unfreeze my bill pay account. The email directs me to an automated number at Fiserve and when I try to make a payment as instructed the automated attendant says there is no money owed. I can't pay my bill because I don't have paper statement 's, don't know the account numbers and need this resolved.
Product: Debt collection

I had a XXXX account when I was XXXX XXXX XXXX, and because you have to be at least 18 years of age to have a XXXX account, I believe the Informations was sent to credit card companies and then credit cards were sent to our address. When my father ran out of money to lay for food and other necessities I pointed out that we had credit cards that kept being sent to us, and so we used XXXX to pay for food and other necessities. Shortly after the credit card was used, a serious family problem occurred which resulted in forgetting about the use of the credit card. About a decade later ( now ) I decided to get a XXXX XXXX credit card, and when I signed up for it, there was no mention of a credit account in my name before my current one. A month or two after I got the XXXX XXXXXXXX credit card I was sent a paper in the mail from Portfolio Recovery Associates LLC ( PRA ) saying that I owe them {$450.00} because they bought my previous XXXX XXXX credit card debt. I then disputed their claim because I assumed they were talking about the credit card I got just after turning XXXX and they sent me copies of papers of XXXX XXXXXXXX saying that the PRA acquired my credit card account with a balence of {$450.00} ( The credit card used for buying groceries ). My father and I then decided to call PRA and see if we could somehow get the debt transferred to his name without any record of this debt being in my name. They then proceeded with telling us to pay it off and it will no longer be there but that didn't help us since there was still a chance for it to show up as a paid debt in my credit report.
Product: Credit card or prepaid card

I am unable to allocate payments toward promotional balances. On XX/XX/23 at XXXX pm XXXX, I called XXXX XXXX XXXX XXXX XXXX XXXX ) to make a payment in the amount of {$260.00}, 100 % of which should go towards my promotional balance which expires on XX/XX/XXXX. I spoke with XXXX XXXX XXXX. My due date is the XXXX day of each month and my next payment due is XX/XX/23. I wanted to pay the promotional balance to avoid interest, but the Agent refused to allocate the payment as I requested. She stated that " she can take the payment but will not allocate 100 % of the payment toward my promotional balance, instead the payment will go towards the minimum monthly payment first ''. My due date is XX/XX/23. I have XXXX days to pay a minimum payment on XX/XX/23. When I asked to bring a decision-maker to the call, she stated that " there is no one above me ''. That means that the entire shift of Citibank reps was without a decision-maker to cover consumer issues. The policies of Citibank are designed in favor of a financial institution. Consumers have no way to allocate payments as needed in an effort to avoid paying interest. The policy now is designed in a way that if consumers want to pay down their XXXX special promotional balances throughout XXXX months each month, they have to pay a monthly minimum first and only then the remaining will be allocated toward promotional balanced. There is no flexibility given to consumers. Unethical and deceptive practices by Citibank.
Product: Debt collection

I have disputed this account many times with XXXX the credit agencies and with Carter Young. The credit agencies stated that Carter Young verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Carter Young and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.
Product: Credit card

I made a purchase for a hotel reservation for {$1500.00} in XX/XX/2023. Because of a fraudulent call, I thought this charge was paid to the wrong people and I asked that it be reversed. Discover reversed it. Upon realizing that the call I received was a part of a scam, I asked Discover to send the money back. Discover said that they will withdraw the claim and send the money back. It was reposted onto my account in early XX/XX/2023, but the hotel never received the money. I followed up continuously for a month, and neither party ( Discover or the hotel ) budged on their positions. Around XX/XX/2023, I made other accommodations. My original hotel reservation was canceled because the balance was never met, despite Discover saying they received the money AND it being posted on my account. 

I've called Discover several times to dispute this charge. I've sent in invoices, payment reminders, and balance due statements from the hotel to prove they didn't receive the money. I've also sent in proof that I didn't stay there. They have said it was insufficient evidence and refuse to reverse the charge on my card. Essentially, they are making me pay for something when the money never made it there. I understand the process has been confusing, but I don't see why I should have to pay if the payment was never fulfilled. In the documents below, I will include everything I sent Discover : a payment reminder email, invoice of my bill being unpaid, invoice of my canceled reservation, a website page proving my balance was not met with the exact same amount that discover posted on my account, the payment history on the hotel website showing that they never received the money. Additionally, I can include proof that I stayed somewhere else during the window of the dates entirely, to prove that I can not be in two places at once. 

Thank you for reading and I hope you can help me. I very much would not like to pay {$1500.00} for a reservation that was canceled.
Product: Credit reporting or other personal consumer reports

I searched my information for the equifax data breach and it became known to my attention that i was involved in the data breach. i filled the data breach information out and i will attach it.
Product: Debt collection

Warner Asset Location Services have called numerous and countless times to people I am associated with and with people I do n't even know but know a relative of mine. They are claiming that its a fraud claim for a loan.     This company has been harassing me for the past  three months. They call about three times a day, not to just my phone number but to my cousins, sister, brother, even to my uncle 's friend that I have never met. They contacted my Uncle 's friend to get my Uncle 's phone number to get my phone nu mber.   XXXX  never once has this company sent me a letter of collecting a debt etc!   XXXX  They wont even tell me the name of their " client '' that 's supposedly trying to collect this fraudulent debt i supposedly owed.
Product: Money transfer, virtual currency, or money service

Coinbase locked my ability to send crypto. This is a problem for many month. I tried multiple times to chat and talk to Coinbase. They sent me on loops. Recently, I ask coinbase to allow me to send my crypto off Coinbase, then they lock my account. Now I can not even login. 

If you look on trust pilot for Coinbase review online, there are a lot of Coinbase users have the same experience. Coinbase locking user funds, ignoring them, send them on loops. Refusing to allow customer to access their crypto or send it off Coinbase. 

One of the chat, I took photos of a 4 hour chat with 5 Coinbase agent as I was trying to send my crypto. I tried to upload those photos? But there are too many to upload.

I called in to Coinbase. I spoke to their agent who said he is sorry, but he would have to ask higher level support. Conveniently, then the line went dead and they locked my account.