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

Hello on XX/XX/21, I submitted a compliant through your system on the credit bureaus reporting inaccurate and unknown items on my credit report. I received a notification stating that my compliant has been received and recently checked to see the status of my compliant only to find that my case has been closed. The reason states that " We have contacted you to let you know that we need additional information about your complaint. We haven't heard back from you. Without more information we couldn't process your complaint and have closed it. '' I searched the website to identify what information was needed, but no where on your site does it state what information you need. This is extremely frustrating, it I sent my initial compliant on XX/XX/XXXX and it is now XX/XX/XXXX and I am still in the same place that I was when I started. I have not received any information from the bureaus nor has your office stated what information is needed for my compliant. What is the point of having a governing body if even your company does the same thing as the bureaus which is ignore us consumers. Which brings me to this question, what is my next step if even the CFPB will not protect me??? and clearly in your name is Consumer Protection Bureau ... Can someone please help me address this issue, I was looking to purchase a home by this summer but that has had to be postponed due to the negligence on both the credit bureaus and the CFPB part. I request that the following items on the documents be removed immediately or a compliant will be filed to the attorney general about both agencies.
Product: Student loan

I have Navient as my lender and loan has been sold several times. I have been making payments and the balance continues to increase. The company told me all of the money is going towards interest. I have even ask to pay lump sum to close the account. Navient has denied ever offer and cant provide a complete ledger of the balances throughout the different lender transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ALL companies involved, I have disputed the accounts over and over again, and XXXX  XXXX keeps coming back with information accurate, XXXX keeps sending this account to different collection agencies knowing that it is fraudulent, XXXX XXXX is not accurate, Previous account was paid and closed, XXXX stated they bought all XXXX 's companies accounts, I advised my account was paid and closed and no account should have ever been opened under new Management that would be fraud. 
I dont know how to get these items removed from credit report as they are affecting me in many ways. Most recent contact was XX/XX/2022. What do I need to do to get these accounts removed from my Credit. I have locked and Froze all my accounts. I have Disputed these and nothing is being done. Need help getting these removed.
Product: Credit reporting, credit repair services, 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.

XXXX XXXXXXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy. 

15 U.S.C 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Square Cash, on their website, states they offer card protection with their Visa Cash Card. 

So I have been using it for purchases as I would any Debit/Credit Card. 

In XX/XX/2020, I had issues with XXXX on not being refunded for items I returned. 

I was refunded some items, but not all. 

I sent Square all the details they asked for. I submitted over 30 pages of proof I am due a refund. 

In the end, they state they will not help me file a dispute despite their website stating they WILL file disputes on your behalf. 

They state since I was refunded for SOME of my returns, they will not pursue it. Even though I am to receive refunds for the charges I asked them to dispute.
Product: Credit card

Opened a credit card with American Express, enrolled in online profile and linked the card to my XXXX account, after that made a purchase all worked fine. 

After the first transaction went thru they blocked everything and since then I cant use the card anywhere, it dropped my credit score XXXX points, they ask to connect to a system to provide my drivers license and the system didnt work, I dont get it, why do you approve and do all this to a customer? I had to do 3 interviews proving my identity before getting approved, and I dont have any identity theft alert on my credit, they want to do the same thing after getting Me approved, this is ridiculous and abusing
Product: Credit card or prepaid card

This was was associated with XXXX XXXXXXXX XXXX I received a notice that comenity was closing my card as much as I wanted to kee it I had no choice I started struggle with my account and had problems making my payments because of a hardship and a hospital bill for family health issues. 
I tried to explain that to the guy but he was very rude and got mad at me and hung up because my phone had an app that was also recording the phone call This was was very rude Ive called before for help and they never help me out now they have transferred my account to a third party collector agency. 

I want to enroll into a program payment plan that can help me reduce my payments and interest
Product: Debt collection

M & T BANK received my cease and desist on XX/XX/2021. I, the consumer, demanded that all forms of communication ( calls, emails, letters, communication to third parties such as consumer reporting agencies ) cease through any and all mediums. M & T BANK has not ceased communication. M & T BANK has sent another attempt to collect a debt on XX/XX/2021. M & T BANK sent communication through the mails stating they will continue to send correspondence by mail. M & T BANK stated they will continue to furnish this alleged debt to third party consumer reporting agencies. This is a direct violation of 15 USC 1692c ( b ) and 15 USC 1692c ( C ). I the consumer refused to pay this alleged debt and demanded M & T BANK XXXX out the balance on this account ; return all payments that have been made on this alleged debt, which was a consumer credit transaction and it is a positive balance, back to me the consumer by check pursuant to 15 UC 1692h ; Delete this inaccurate account information being reported to all my consumer reports. M & T BANK had no permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ) nor did I give M & T BANK consent to have my nonpublic information which is identity theft pursuant to 15 USC 1681a ( q ) ( 3 ). I demanded an audit trail ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) for this account. These are my specified remedies pursuant to 15 USC 1692c ( C ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX+ Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. XXXX started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time XXXX XXXX of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Debt collection

On XX/XX/XXXX I received a voicemail from a XXXX XXXX, stating that she was from the local Process Server Office and that I will be getting served a subpoena to appear before a Judge to answer charges for a debt Collection. She said that I needed to call the attorneys office at XXXX and speak to a paralegal about settling the debt. She gave me a case number. I called and it ends up being CRS and XXXX our if Texas. I asked the guy if they were a law firm. He said no, they are a debt collection agency. He said that I needed to pay {$390.00} for money I apparently owe to XXXX XXXX XXXX from XX/XX/XXXX. I knew I owed them money for an account that had overdraft penalties but didnt realize it was that much. He said if I dont set up a payment plan, they will sue me in court and will add on charges of defrauding a bank ( which I clearly did not do ). He pretty much intimidated me into trying to make a payment arrangement. 

I looked into them online and found out that they have had numerous complaints about this tactic and they arent a legit law firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of fraudulent activity on my credit account that happened to be opening a fraud accounts under my name that doesn't belong to me. 
Date Fraud Began : XX/XX/2021 Amount : {$9200.00}
Product: Credit card or prepaid card

XX/XX/XXXX Purchase XXXX, IL {$1000.00} - Home Depot Will not provide video for this store location to XXXX XXXX XXXX XXXX after numerous requests XX/XX/XXXX I alerted fraud immediately upon seeing the notification card cancelled, new one issued XX/XX/XXXX Purchase -? - {$990.00} Can't identify this charge that is on the replacement card issued on XX/XX/XXXX. I recd card on XX/XX/XXXX via USPS XX/XX/XXXX - Purchase # XXXX XXXX, IL {$390.00} This store location Video obtained by XXXX XXXX XXXX XXXX for this location shows Woman Making transaction using replacement card Number not in my possession yet XX/XX/XXXX Purchase # XXXX - XXXX, IL {$390.00} This store location Video obtained by XXXX XXXX XXXX XXXX for this location shows Woman Making transaction using replacement card Number not in my possession yet. 

I have reopened this investigation numerous times only to have it closed because they claim the person picking up the merchandise ID info matches mine. I sent Citi bank a copy of my drivers license per their request. Clearly I do not match the person committing this fraud. Detective handling my case told me that he just wrapped up a case identical to mine involving and older gentleman. The fraud was committed the same way at the same store locations. It is obvious it is an inside job which Home Depot refuses to acknowledge. This has happened to me 7 times since XX/XX/XXXX. All have been resolved successfully until now. I even received another fraud alert on XX/XX/XXXX for {$1900.00}. This was resolved quickly. 

XX/XX/XXXX Reported Identity Theft to the FTC, Illinois Secretary of State and all 3 Credit Reporting Agencies. 
I have followed all the reporting guidelines from the FTC which brought me to you. If Home Depot 's XXXX, IL store would provide the detective with the video he has requested, this whole mess would be resolved. I live within XXXX miles of the Home Depot I frequent. For reference, the XXXX XXXXome Depot StoreXXXX involved are located in the city and are : XXXX XXXX XXXX, XXXX XXXX miles from my home XXXX XXXX XXXX, XXXX, IL XXXX Miles from my home. 
I would never travel this far for items that are readily available XXXX miles from my home.
Product: Mortgage

My property is in foreclose and the banks have not been cooperating with loan numbers or payoff information. I have lost at least XXXX sales and been threatened lawsuits against me for money damages because I could not get loan numbers in order to get payoff information so I could close. The bank wants my property and refuses to cooperate in the sale because I have equity in the property. It took me two years before I could find out the loan number on the XXXX. I now have another offer and the bank is now telling me that they can not find the file. They want it to go to sale so they can steal the equity even though they have already been paid for the loan.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am seeking your assistance regarding an issue with Coinbase that has resulted in my funds being effectively frozen without clear justification. 

In XXXX, I took out XXXX personal loans : {$25000.00} from XXXX XXXX XXXX XXXX and {$25000.00} from XXXX XXXX XXXX, with the intention of investing in cryptocurrency on Coinbase. Below is a breakdown of my deposits : XX/XX/year> : Deposited {$20000.00} from my XXXX XXXX account. 
XX/XX/year> : Deposited an additional {$1000.00} from the same XXXX XXXX account. 
XX/XX/year> : Deposited {$15000.00} from my XXXX account. 

In total, I deposited approximately {$36000.00} into Coinbase. 

About XXXX weeks later, Coinbase notified me that they had detected suspicious activity and restricted my account. I followed all required steps multiple times to have my account unrestricted, but Coinbase repeatedly denied my requests without providing a clear explanation. After my fifth attempt to resolve the issue, Coinbase escalated matters by locking my account entirely. To regain access, I was required to verify my identity with a passport, which I did, and my account was unlocked within XXXX hours. 

However, every time I attempt to unrestrict my account, I am told to wait XXXX days for an email response. In some cases, I receive an email stating that my account will remain restricted due to suspicious activity, while other times, I receive no response at all. 

Trying to be proactive, I removed my old payment methods and attempted to add a new one, thinking this might resolve any security concerns. Unfortunately, I was unable to add a new payment method, and I am now completely unable to withdraw, buy, sell, or transfer my assets. Coinbase is essentially holding my funds XXXX, with no clear resolution in sight. 

I fear that Coinbases delays and lack of communication may be a tactic to lock me out of my account indefinitely. If I were to lose access to my two-factor authentication, I may never be able to retrieve my funds. 

I am requesting your intervention to compel Coinbase to provide a legitimate explanation for their actions and to restore access to my account so that I can withdraw my funds. I have attached my bank statements as evidence of my transactions. 

Please let me know how I can proceed or if additional information is needed. 

XXXX XXXX XXXX XXXX ( email attached to coinbase )
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX {$220.00}
Product: Debt collection

I received a summons in the mail on XX/XX/XXXX saying that I had outstanding amount with a company I have never heard of in regards to an old account I had. The person delivering the summons specifically said that I dont have to do anything in regards to the summons and all I had to do was call the number listed. After attempting to reach out to the company via multiple phone numbers listed and getting no response, I did my research. I am now realizing that I have to respond to the summons mentioned above. Thankfully I am still within the 21 day timeframe to respond to the summons. However, this experience was horrible I had received XXXX communications and received no proof of debt from this company. I was also told not to respond to the summons that was sent, which I have learnt, leads to an immediately decision made against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of some accounts on my credit report. I didn't even know about XXXX XXXX since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be false to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
Product: Debt collection

Hello, I am the victim of the identity thef. The thief used my social security number to rent the apartment at XXXX XXXX under XXXX XXXX. First of all, this XXXX is not my name on my SS # So how come they link my ss # with a different name and they don't do background check? This is not my fault in anyway at the beginning, but now I am the one to go back and prove I am not the one live there since the apartment manager didn't do throughoutly background check with name don't match with SS #?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about unauthorized hard inquiries on my report. I have tried several times but they refuse to remove them even after explaining I did not authorize those credit pulls. The inquiries are : XXXXXXXX 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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

I received the attached letter simply stating no signs of fraud were found on my credit card account. I need details and an explanation for the investigation.