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

My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. On XX/XX/2020 XXXX sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the Equifax security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 XXXX 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: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of 2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. Thank you in advance. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got an email from XXXX XXXX about my credit report showing a hard credit inquiry on XXXX XXXX, XXXX  from Capital One Bank. I immediately noticed this was not me and contacted Capital One Bank where I was told that a Hard Credit check was made by ( someone ) ( somewhere )- Not myself, for a credit card. It was approved for {$8000.00}. They could not acquire an account number for me but could give me the last 4 digits of the credit card they approved being : XXXX. The agent 's ID number is XXXX and she told me the fraud department opened an investigation and cancelled the card/account and would contact me in 7 business days. This Hard inquiry has already reflected on my credit score report and has created loss in rating.
Product: Checking or savings account

I received several emails from ChimeXXXX over night stating that my money was being moved. When I checked my account, usually I can login with FaceID but this time I had to enter my credentials, all my money was gone. Someone accessed my account between XXXX, moved my money from savings to my checkings, used a Pay Friends to send money, cancelled that payment and sent the money to another account. I contacted ChimeXXXX and they assured me I would get my money back. After a three hour investigation, it was determined that no error occurred and I would not receive any money back. I contact them again, was told to send proof. What kind of prof would I have to show someone hacked my account? I forwarded the automatic email that I had receive when someone logged into my account from a new device and was told that it would be escalated ( rebuttal ). I called back again to check status and found out out that the information I sent had not been escalated. Now Im being told to wait up to 45 days while they investigate again. No provisional credit or nothing just a. {$62.00} balance and a 45 day waiting period.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was trying to check on my coinbase account. I was unable to do so. I was prompted to change my password because I felt I was hacked. When I entered a password reset to be sent to my email attached to my previous coinbase account, I did not receive it. I knew then I was hacked. I had to go to work for a long shift. When I came back home I noticed a pending transaction to my debit card for 1,000 USD that I did not authorize. It put my account in the negative. I recall my previous coinbase account had 1,400 USD in various cryto currencies and the unauthorized withdrawal of 1,000 USD. The total amount lost was 2,500 USD. I attempted to stop payment on the unauthorized transaction of 1,000 USD but was too late. I tried reporting matter to coinbase live support but if you can not provide correct name and email associated with account they would hang up on you after 3 failed attempts. I even mentioned I was hacked how could I provide that information. I then tried to use their online ticket support. I was getting bot responses and could not generate ticket. I was frustrated and stopped attempting to conract them. The following week I visited our local police department and filed a theft report with XXXX XXXX. His email address is XXXX. From time to time I receive notifications from coinbase for example staking updates on an asset I use to own their. Any help with matter to retrieve my lost funds of {$2500.00} USD would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against Experian XXXXXXXX XXXX XXXX  XXXX TX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. 

I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. 

Thank you in advance for a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX
Product: Debt collection

XX/XX/2015 I received a notice from XXXX collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, Franklin Collections Services. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!
Product: Credit reporting or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, account name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong XXXX XXXX by hundreds of points XXXX getting letters denying me of things I didnt apply for this is coming from consumer reporting agency & imfis incorrect I havent been late on any of my accounts & some accounts are popping up that are not mine XXXX not getting any positive reports
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

Got a loan from tower loan. Been struggling to pay. They wont work with us, but are harassing us, our family, friends, coworkers. Threatening, hostility, aggressive, dishonestly, screaming at me, accusing me of actual physical things that I did not do, stalking me, definitely, please call me.
Product: Credit reporting or other personal consumer reports

There are over 90 unauthorized inquiries. I called Transunion 2 times after send the FTC report over a month ago to remove them. I was advised they didnt receive any report and they cant remove unauthorized inquiries without it.
Product: Mortgage

On XX/XX/XXXX I paid my Santander mortgage account # XXXX by going to my local XXXX XXXX. This is how we always pay the mortgage to Santander Bank. The account # XXXX with Chase is the account I have always used to electronically pay the mortgage. The reference number Chase gave for this payment is XXXX and the amount was {$2700.00} paid. 

Since Santander Bank changed my mortgage payment by {$58.00} due to an increase in taxes, my new mortgage payment was increased to {$2800.00}. Santander Bank snet me a letter late XX/XX/XXXX that they have not received my mortgage payment for XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX, I went to XXXX XXXX and made an electronic payment to Santander in the amount of {$2800.00}. Confirmation number for this transaction was XXXX. 

During the course of a current refinance, on XX/XX/XXXX, I was informed by the loan officer, XXXX XXXX XXXX NMLS # XXXX from XXXX XXXX XXXX XXXX that Santander Bank is reporting my mortgage late for the month of XX/XX/XXXX ( 30 days ). 

After speaking with a representative by calling XXXX at XXXX XXXX, XX/XX/XXXX from Santander Bank named XXXX I was transferred over to a Supervisor. The supervisor refused to give a name of ID number and after 30 seconds the call was disconnected. 

At XXXX on XX/XX/XXXX, I called Santander Bank again at the same number, spoke to a woman named XXXX who said there is nothing that can be done so I asked for a Supervisor. After 15 minutes on hold I was connected to XXXX. 

XXXX told me after hearing my information that the {$2700.00} was held in unapplied funds account which is where mortgage payments sit until payment is made in full. I asked if this is an interest bearing account because if Santander Bank did this to numerous customers they can make a lot of money on client 's money that is " unapplied ''. They reported my account to the credit bureaus as 30 days late for XX/XX/XXXX. This is false, the mortgage was paid using the normal means ( XXXX online payment ) and my normal amount {$2700.00}. As soon as I knew the account was short I immediately paid the account for {$2800.00} on XX/XX/XXXX using reference # XXXX. 

I am being incorrectly reported to credit by Santander bank as not making a XX/XX/XXXX mortgage payment on time when in fact, I made two mortgage payment in XX/XX/XXXX. 

As of XX/XX/XXXX at XXXX XXXX, I am still on the phone with Santander Bank supervisor XXXX and have been on hold for 38 minutes waiting for a Supervisor on a higher level. 

Without Santander Bank removing the late payment to the credit bureaus I am going to suffer from a credit score decrease and more importantly, the refinance I have been doing will be dead along with the {$670.00} I will lose for the appraisal. 

Santander Bank needs to correct the reporting to the credit bureaus immediately so I can continue my refinance. 

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX email : XXXX cell : XXXX
Product: Consumer Loan

Car was declared a total loss. Insurance called loan ( BBVA ) to get pay off. Pay off was sent in writing to insurance company. Insurance company sent check, loan advised wrong amount and that they made a mistake in the letter. Letter states it is a guarantee.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding my credit report, specifically inaccurate late payments listed for the account with XXXX XXXX XXXX and XXXX XXXX
Product: Mortgage

I, XXXX XXXX make the following dispute against a law firm that avoided legal precedent pertaining to a lawsuit I filed in federal court XXXX 2015. Even though this firm was successful obtaining an order of foreclosure on my home, the guidelines have been established for decades of federal over state law intervention. I hereby attach copies of various letters to this law firm, as well as my claim that the XXXX defaulted in the legal process answering the initial legal claim. Even though my federal claim takes precedent, this law firm continued its foreclosure action avoiding my rights under several statutes including my rights under the Fair Debt Collection Practices Act. I request a full investigation on this illegal action against my home located in XXXX, New York. I request the Consumer Financial Protection Bureau to use my case as part of its ongoing process to protect consumers against abusive collection and/or foreclosure processes. My federal claim is still in process in the Northern District of New York, XXXX As Trustee, et al. Even though I still hold possession of my property, this very same law firm has extended its fraudulent practices by submitting an order of eviction with the county sheriff 's department to force egress into my home, evict current tenants and cause other financial hardships that are not legal. My complaint to the Federal Deposit Insurance Corporation and XXXX are hereby attached for review. 
Even XXXX eventually submitted a law firm on record to defend their position giving the case validity. XXXX defaulted on answering the complaint by three months from the legal guidelines. It is the taxpayers of the United States that are eventually paying these extraordinary legal fees to defend fraud being procured against private citizens. The federal case I filed in XXXX of 2015 is still a valid claim, and all aspects of this claim and declaratory judgment must be addressed before any future foreclosure actions can persist. For that matter, the initial foreclosure actions violated my rights under the Fair Debt Collection Practices Act, and an additional lawsuit will be filed against the firm in this matter, Stein, Weiner & Roth, LLP. This abusive process, whereas law firms turn a blind eye on the rule of law can not exist in a society built on rules of law.
Product: Credit card

Bank of America mailed me a credit card, but before I received and activated it, an unauthorized purchase of {$1200.00} was made at an XXXX XXXX in XXXX, PA. 
After I reported the issue, the bank assured me they would investigate. 
However, they later denied my dispute without providing any evidence that I had activated or used the card.
Product: Payday loan

There are several numbers used in this scam, but they all go back to a XXXX, which does not seem to exist, except as a XXXX. in XXXX and Georgia. The XXXX numbers I have been called from are XXXX, XXXX and XXXX, XXXX,XXXX, XXXX and the XXXX women that continuously harass me are XXXX and XXXX and XXXX. Between them, they probably call me 8 times a day. 
They claim that I owe a payday loan debt from 2011, in the amount of {$1300.00} through XXXX. I have NEVER taken out a payday loan, but they said all things lead back to me and my information, therefore I am responsible and I can not fight it, it 's too late. 
I told them i refused to pay and asked for a Debt Validation Notice or the documents with my signature. She informed me that they do not have that information and can not get it, that I should have received it from the original debtor. They never answer the phone with the name of the company, it 's always litigation or their name. I believe they are calling from cell phones! 
I asked them to never call again, they will not get a dime from me, she tried telling me they will send it for prosecution. Yet, they ca n't even explain why it took them XXXX years to finally contact me if I owed such a debt. TOTAL SCAM!!!
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block and delete information on my credit report resulting from identity theft within four business days. This fraudulent information includes a XXXX  XXXX credit card account opened on XX/XX/XXXX ( Account Number : XXXX ), a XXXX  XXXX XXXX account opened on XX/XX/XXXX, and a charge-off account with XXXX XXXX  opened XXXX XX/XX/XXXX. Additionally, unauthorized inquiries appearing on my Equifax report include : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX I do not recognize these accounts, inquiries, or any related collections as reported by Equifax. Enclosed is the FTC Identity Theft Affidavit as evidence of these fraudulent items, and I request their immediate blocking and removal from my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized inquiry from XXXX/Loandepot.com was found on my credit reports. I didn't provide written or verbal authorization for this.
Product: Credit reporting

I did a dispute with the equifax. I was living with my parents as a XXXX under the age. I was living with my mom 2 to 3 years prior to this company reporting on my credit when I became of age they told me I had to go on the lease as a tenent and was only XXXX they said even because I was staying there I was not paying rent and was a XXXX XXXX still in School. They attached the balance of the bill on my credit report this is affecting me to get a place and continue on with my life, They attatched this reporting to my moms credit as well and she is the responsible Party. I do not believe I should be held accountable for this bill Im just trying to start off and it has effected me greatly.
Product: Student loan

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( Art Institute of Pittsburgh ) , proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as Navient, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the Sweet v. Cardona/Devos case .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiry I didnt authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.