23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2
Product: Debt collection

XX/XX/2018 This started all on XX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. 

I've never been XXXX XXXX  and I even noticed some time ago XXXX XXXX appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. 

XXXX XXXX XXXX is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! 

I've called XXXX XXXX XXXX every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call XXXX XXXX XXXX every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. 

They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unathorized inquires that I have contacted Transunion about stating they are not accounts I have applied for and they said they will not let me dispute them. Which is totally illegal. I have the right to have incorrect information taken off my credit report. 
I have contacted every listed company, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I am humbly asking that you request that Transunionto initiate an investigation the into inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry. 

The inquiries are XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX I would also like to ask the name of every inquirer to please relay the information to the bureaus to delete this information. 

Thank you
Product: Money transfer, virtual currency, or money service

I have been a loyal customer of Gemini.com since XXXX to buy and sell cryptocurrencies. I have had no issues in the past. However, on XX/XX/XXXX I transferred XXXX bitcoin to Gemini.com to sell for USD. Immediately after the deposit, my account was frozen. I reached out to their customer service by email on XX/XX/XXXX as it's the only method of contact. I received a response asking to submit a photo of my face holding my identification. On XX/XX/XXXX, I received a reply by email confirming after a review, my account was unfrozen. I was able to login to my account. However, after attempting to withdraw my bitcoin, my account was again automatically frozen. I reached out to them again and they replied within an hour indicating my account was unfrozen once again. I logged in to my account and tried to withdraw again, and my account was frozen once again. I replied again also asking what I can do to prevent this from occurring again. They did not respond until XX/XX/XXXX, with a questions about my withdrawal in which I answered. That was the last time I heard from them. I have made attempts everyday to get in contact with them through other platforms such as XXXX and XXXX. However, they have ignored all communication with me. I have over {$30000.00} that they have locked up for no reason given. This has caused me great XXXX  and XXXX XXXX as this is my life savings. I am pleading for assistance. 

For reference : My Ticket ID with Gemini.com : XXXX
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

after paying my car in full i didnt receive the renewal registration from DMV or my title. DMV advise me the steps to take to obtain my title and soon as DMV granted my rightful title this company stole it and held it and is trying to still the title from me after stealing my car. and trying to charge me for a car that i dont have. DMV has never had a record of a title lien, repo. order NOthING!!! Just me going through the process of the title change this company is ruing my credit with it's illegal attack on my credit score my family and i have been greatly inconvienance due to their unjust behavior and fruadulant attack on me taking my only car.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Vehicle loan or lease

In XXXX of 2022 I went into US Auto Sales to buy a car and opted into GAP insurance and it was NEVER applied on the contract and now that the car has been totaled i am having to pay for the car that is being totaled because US Auto Sales did not check the boxes for Gap Insurance.
Product: Debt collection

I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over  18-months,  several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of  a 180-day  written notice that after the  180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . Al l medical collections  must be removed immediately by all medical debt collectors, and I must be send  a 180-day  notice, so my insurance can work on resolving all claims. REMOVE ALL  ME  DICAL COLLECTIONS A S MANDATED!!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXX {$990.00}, XXXX {$80.00} XXXX XXXX CRED {$560.00}, XXXX {$3700.00}, XXXX {$2300.00}, XXXX {$2300.00}, XXXX {$3700.00}, XXXX {$1800.00}, XXXX {$1100.00}, XXXX {$1000.00}, XXXX {$1200.00}, XXXX {$620.00}, XXXX XXXX {$1200.00}, XXXX {$15000.00}, XXXX XXXX {$9500.00}, XXXX XXXX {$810.00}, XXXX XXXX  XXXX {$20000.00}, XXXX {$1500.00}
Product: Debt collection

complaints : XXXX Consumer Cellular service and Professional Collection Service have made XXXX entries with Credit Reporting agencies once XXXX 2015 and XXXX 2015 stating that I have an account balance that goes unpaid and is in dispute. My previous complaints clearly points out that the balance consists of fees that are not justifiable. 

They are attempting to damage my credit rating by using this approach. Again, Consumer Cellular and Professional Collection Services are attempting to have me pay a {$25.00} fee plus XXXX-dollar late fees due to my refusal in releasing a dispute with XXXX XXXX against XXXX XXXX for an unauthorized debit on my bank account. 

Please review my previous complaints ; I was notified of the Credit Report activity by my Credit Union on Wednesday XXXX/XXXX/2015, confirmed by the Credit Reporting Agency XXXX.
Product: Debt collection

Evergreen professional recovery has repeatedly called my place of employment in an attempt to get ahold of me after I explicitly told them not to call me at work.
Product: Money transfer, virtual currency, or money service

I filed a complaint against PayPal with CFPB in XX/XX/2018. I received a letter today stating that they issued credits to my account on XX/XX/2018 for XXXX XXXX dollars and XX/XX/2018 for XXXX XXXX dollars ; which are not true. I checked with my bank, XXXX XXXX and they confirmed there were no credits issued for the unauthorized transactions that occurred on my account by hackers and fraudters they have on their platform. PayPal allowed almost eveleven thousand dollars to be sent to a person in the XXXX for donations which I never approved as I live in the USA and have no idea who would donate that kind of money to a total stranger in a different country in 5 uneven installments.
Product: Credit card

On 2023 XX/XX/XXXX, I accessed my account online. Before I could get to the usual webpage where I could print my monthly statement, I was blocked by a screen demanding my acceptance of Chases New Digital Agreement and New Terms of Use. There was no way to bypass that screen. There was no alternative to accepting the new Chase policy terms. The New Digital Agreement is 125 pages - far too long to read in one sitting, let alone consider carefully. It appears that by accepting, I am surrendering almost all rights to digital privacy, consenting to Chase selling to anyone my personal data and history of purchases, and agreeing arbitration only as the sole means of resolving any disputes, shutting me out entirely from my state 's and our country 's legal system. I do not actually agree to any of this, despite being forced to accept Chases New Digital Agreement and New Terms of Use in order to access my online account.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, Experian, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with Experian, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit card

Citibank took over the credit card service for Costco members. I received a new Citibank Visa. Then, I received one statement and paid it. My FICO score is well over XXXX because I pay all my credit card bills on time and in full. On the next Citibank statement I received, it showed an unpaid balance from a previous month, a late fee of {$25.00}, and interest of just over {$7.00}. Citibank claims I should have known the billing cycle was that payments were due on the XXXX of the month. With only one bill having been sent, there was no " billing cycle. '' Clearly, Citibank is taking advantage of consumers by failing to send statements and, then, collecting {$25.00} late charges and interest. With the thousands of Costco members, Citibank could end up with millions of dollars, with this scheme. I strongly suspect that Citibank is engaged in this scheme, for profit, taking advantage of its new relationship with Costco members and the members ' lack of familiarity with Citibank 's billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX, XXXX, and Equifax of unauthorized inquiries on my credit report. Since the creditors didn't have me authorization, written nor verbal. I ask the credit reporting agencies to immediately delete the inquires. I previously requested the creditors delete the inquires also, and was denied.
Product: Credit card or prepaid card

Regarding Chase Freedom Visa Credit Card ... 

I received a notice today that they were increasing my Interest Rate from 12.24 % apr on purchases to 15.99 % apr beginning XX/XX/18. I have the option to reject the interest rate/apr increase, however, I would have to close my account. I think it is unethical to impose more than 3.75 % interest apr in one big leap. I have NEVER missed a payment to them in approx. 20 years. 

Their explanation on the notice stated " We are changing the Annual Percentage Rate ( APRs ) because your APRs are below the lowest APRs we currently offer on similar accounts ''. 

I would like to keep my Chase Freedom Visa Credit Card, however, I am experiencing a hardship and will be unable to afford my monthly credit card payments when this APR is increased. 

It would not be in either my best interest OR Chase Bank 's best interest to loose me as a customer. 

This to me seems unfair business practices. I am currently maxed out with my credit limit with Chase, however, I repeat, in approx. 20 years I have NEVER missed a payment ... ever!
My only alternate solution may be to apply for a hardship program or consider filing for bankruptsy, in which case, Chase would receive no repayment of the credit card debt I owe them. 

In addition to my Freedom Visa with Chase, I also have a Slate Visa with Chase, and of which my payments have NEVER been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I opened a secured credit card with Citicards for the amount of {$200.00}. Shortly after the account was closed. I do not understand why Citicards continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.
Product: Credit reporting or other personal consumer reports

XXXX has deleted this account from my credit report I ask that u also do the same 1681s-2 1681eb and 168115, 168117 my rights are being violated please delete this accout XXXX XXXXXXXX Accout number XXXX | have reasonable reason to believe this is inaccurate and should be deleted the whole account wirh the inaccuracies below they can not repor a late payment with knowledge that it has inaccuracies I demand deletion of this account
Product: Student loan

I was in deferment for about a year. I selected a lower payment that consisted of  XXXX  monthly for 24 months, and then it would go up based on income. They approved this, and I set up auto pay. When I set up auto pay it said to make first payment manually so I did. After I did that it paid the first  XXXX , little after that I got statement that said  XXXX . I called and they told me it was error from system and that they would fix it. I call back a month later because it was n't solved and spoke with another rep that said he did not know what happen but that he would have someone fix it and send me email. Today I receive another email stating that my terms for payments have changed and now my new monthly payment is  XXXX  starting  XX/XX/2017   . I feel like they are doing fraud by lying to me of what my payment plan is supposed to be. I am suppose to be paying  XXXX  for 2 years and then change to different amount. They have scammed me to pay more each month instead of after 2 years. I am looking forward to take legal action against them if possible. Then the email says it wo n't affect my current payment, but my auto pay says  XXXX .
Product: Credit card or prepaid card

I opened an account with Gemini including a credit card. I moved some bills over to their credit card to use as my new " points '' card. The next day my access to the app was frozen without warning which caused my bills to fail to pay, and without the app I have no way to pay Gemini for what I have already charged on the credit card, either. I have opened multiple support tickets and emailed them multiple times but I just get the same automated emails over and over. It has been a full week with no response. This is going to negatively impact my credit score unless something is done to unfreeze my Gemini app IMMEDIATELY.
Product: Mortgage

1. Foreclosure without proper notification. 
2. Foreclosure without the borrower being notified. According to the foreclosure laws of WV. 
3. My wife left on XX/XX/2020, I contacted the bank to set up auto-withdraw. The lady at the bank said the house had been foreclosed on and sold already that there wasn't anything I could do to rectify this situation. They told me to call my local courthouse so I did, they told me to contact the foreclosure department for my bank and gave me a number. I did that and they told me the house would be given to a realtor in XXXX so call back then and she would be able to give the realtor 's name and number, so I did and didn't get the same lady and the other lady said it was with HUD, not their bank so I contacted them they told me it was with FHA dept. I have an attorney if you would need to see the documentation for all of this. It isn't an attorney for this situation but they have the information. My ex-wife had put holds on the mail, changed the contact information to a phone number we no longer had her email and any certified mail or personal notification she received and disposed of or hid. I never recieved any notice at all I worked full time as a XXXX  XXXX and started my XXXX XXXX at this time I worked 14 to 16 hour days 6 and 7 days a week. I had the money it just wasn't being paid. Had I known I would have fixed this before it ever got to this I put XXXX dollars into this house while it was being foreclosed on. 
4. Huntington National Bank, HUD, FHA, and my ex-wife