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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Product: Debt collection

This complaint is against Nicholas financial. This vehicle is attach to account # XXXX. This account was involved in an accident and paid for by gap insurance. So imagine my surprise to see that this company is reporting this as a voluntary repo to all three bureaus. Im requesting a removal Of this account from my credit report. According to fcra information must. Reported with 100 % but this isnt accurate help me
Product: Money transfer, virtual currency, or money service

I was trying to sell our couches on XXXX XXXX I will admit I shouldve been more cautious but Ive been very sick and trying to take care of my XXXX XXXX XXXX so Ive been struggling with money more than usual.. a man reached out to buy them. He asked for my XXXX info ( which I knew I had but Im not very tech savvy or familiar with the app ). I gave him just my email and name. He claimed he sent the money but the funds were on hold until I verified the email. I did receive an email from XXXX that looked legitimate. ( I attached images of the emails. ) But it said there needed to be a double transaction to the account and an additional payment from the buyer for the verification and upgrade of the account. Then after he supposedly paid that, I received another email saying it was confirmed and I just needed to refund him in order for it to come through to my account. I feel like Id typically be more cautious of these thing but being in a pickle for money lately I guess I may have let my guard down.. It wasnt until after I sent the refund of {$300.00} that I received an addition email for further verification and I needed to send another {$500.00} Thats when i became skeptical and called my bank and found out that XXXX does not have those restrictions but there was nothing they could do since it would appear as a verified payment on their end so Im grateful I didnt send any more money, but getting scammed of {$300.00} is still pretty detrimental to my son and I right now.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX Balance : {$9300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2017 I went to XXXX closed an account to start an account with my husband. I was told in order to close the account the account had to be fully paid and so I paid. The account was cancelled and my husband and I purchased a new phone and started a new line, which is my current line. Every two months i received a bill for the cancelled line i called XXXX every time i received the bill and every representative i spoke to promised to have the fees and cancel the account. It has not been forwarded to a debt collector and affecting my credit. XXXX is now saying because its been forwarded they can no longer access that account to confirm previous calls or account activity.
Product: Debt collection

XXXX  isnt doing a proper investigation for accuracy because XXXX XXXX XXXX  have inaccurate information and also I ask XXXX XXXX XXXX states they have ownership the account when I ask them for proof from the original creditor of the debt, license to collect, a contract stating that I owe them with my signature they failed to respond to my Letter that was send to them certified mail and is was notarized. The credit bureau ( XXXX  ) are violating the FCRA ( They refuse to correct information after being provided proof of inaccuracy ), Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) .and XXXX XXXX XXXX   is violating the law by ( They fail to report a disputed debt to the credit bureaus ) thats FDCPA, ( They have not validated your debt and they still continue to report to the credit bureaus ) thats FDCPA , ( They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency ) thats FCRA
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my Binance.us account was hacked by an unknown party. They " sim swapped '' my XXXX phone, accessed my account and removed over {$10000.00} in bitcoin from my account. 
The hack was sophisticated. My phone was sim swapped, my email was also hacked and a filter created so that any emails from binance.us would go to trash and I wouldn't see them. 
The next day I noticed that my phone wasn't working. I checked my email during the day and by chance went into my email trash where I found the email notifications of unauthorized access into my account. 
I contacted binance.us who didn't get back to me until XX/XX/XXXX. I just got access to my account today, XX/XX/XXXX to find the hack had taken place. 
Binance says they aren't liable for the loss. If this had happened at my bank, they would've covered the loss. 
Binance.us shouldn't be able to operate in the US without proper insurance in case of consumer loss.
Product: Vehicle loan or lease

This new complaint is in reference to complaint # XXXX I called consumer finance on XX/XX/XXXX because the email be low said the company had responed Review the companys response to your complaint. 
The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone.Thank you for participating in our complaint process. This complaint is now closed. 
I could not open the complaint XX/XX/XXXX consumer finance customer service said would mail me a copy of the complaint response, it is XX/XX/XXXX sill havent gotten it. They read me the response said Hyundai Motor Finance agreed to refund my {$390.00}, I called Hyundai Motor Finance XX/XX/XXXX spoke to XXXX in customer service he said two checks {$290.00} and {$100.00} was mailed on XX/XX/XXXX. I still have not received any refund checks no email no text no phone call from Hyundai Motor Finance no communication at all, this issue started XX/XX/XXXX with me trying to get a refund on money Hyundai motor Finance owes me, I am a senior XXXX yrs old on a fixed income very frustrated and disappointed in the way I have been treated. I had to provide the documents to support my claim, Hyundai motor Finance has disrespected and used their power and control to dismiss this complaint as irrelevent. Im just asking for my money nothing more 2
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is in violation of my HIPPA rights. 

DESIGNED RECEIVABLE SO is also in violation of my HIPPA rights. 

XXXX XXXX XXXX is in violation of my HIPPA rights. 

DESIGNED RECEIVABLE SO is reporting invalidated, unverified debt to Experian. 

XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX. 

XXXX  is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from DESIGNED RECEIVABLE SO that was sold by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit, I noticed Equifax is still reporting wrong information on my report. I've been a victim of idenity theft. Equifax is saying the collection from FOCUS FINANCIAL IN THE AMOUNT OFF {$500.00} HAS BEEN VERIFIED, I FOUND THIS TO BE UNTRUE, BECAUSE XXXX  OR XXXX COULDN'T VERIFY THIS ACCOUNT AND IT HAS BEEN DELETED. EQUIFAX NEEDS TO FOLLOW SUIT AND DELETE THIS ITEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion decreased my score 34 points on XX/XX/XXXX. It didn't list what caused the changes. The credit monitoring app only showed that my credit card payment was on time and my balance decreased, which typically reports positively. I pay monthly for Transunion 's credit monitoring services, I also have other third party apps that are reflecting the same 34 point decrease from Transunion bureau. I contacted Transunion 's customer support on XX/XX/XXXX to check and see if something derogatory was recently added. The rep was helpful but he says he can only see general information as well. he listed things that were not significant enough to report a decrease. He stated an inquiry from XXXX which had already been reported. He could not find anything that reflected a new delinquency and apologized for not having any further information. I did recently dispute a company in XXXX for an inaccurate/fraud account and the account was removed and my score increased. I am looking to figure out what has changed since then and a better explanation as of why my score decreased since it wasn't clearly provided. And if applicable, a correction to my score.
Product: Money transfer, virtual currency, or money service

XX/XX/2022. I transferred funds from my personal bank account to Coinbase.com of {$3500.00} to buy XXXX  to transfer to my business partner for a transaction. Coinbase received the money next day and immediately held my funds saying they were doing so for my security and protection. I verified my identity and they claimed after deducting {$100.00} for fees to convert to XXXX, that they would not release my funds for sending until XX/XX/XXXX. I protested that they needed to refund as I would use another method of payment as the transaction was time sensitive. They then responded they would be holding my funds until XX/XX/XXXX. I called multiple times and contacted them via live chat and email and they assured me they were short staffed and it would take them anywhere from XXXX days to investigate. I asked them to refund me instead as I would need to go elsewhere. I had to borrow money from my other business partner to send payment via another method from their competitor.I have requested repeatedly for them to cancel my transaction and refund me to no avail. I have spoken to other clients that I do business with and they informed me the same thing happened to them and they have lost thousands of dollars to Coinbase. There is no reason for them to sit on my hard earned funds. I know my recipient quite well and I am more in danger of being robbed by Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry is Unknown SYNCB/WALMART PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX SYNCB/WALMART PLCC XXXX. XXXX, XXXX Unknown inquiry, please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX I XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

REF XXXX - XXXX, TRANSUNION AND XXXX DID NOT FIX THE REPORTING OF ACCOUNT ( XXXX XXXX XXXX XXXX XXXX MULTIPLE ATTEMPTS I HAVE SUBMITTED OVER A 12-MONTH PERIOD AND THE ACCOUNT IS STILL INCORRECTLY REPORTING. 

THIS IS AN FCRA VIOLATION, THE ACCOUNT MUST BE REMOVED. 

PAYMENT HISTORY VERSUS WHEN THE ACCOUNT WAS OPEN. SHOWS NO PAYMENTS BEING MADE. THE DELINQUENCY DATES ARE ALSO INCORRECT.
Product: Bank account or service

BMO Harris bank sent an offer to my house ... open an account with {$10000.00} for 90 days and receive {$200.00} bonus. I opened an account in XXXX. I went to cash out the acct a little over 90 days later and was told payment would be made 120 days after opening the account. I think 90 days MEANS 90 days NOT 120.
Product: Money transfer, virtual currency, or money service

I am filing a complaint on cash app due to inadequate customer service and and unfair practices which violate the CFPA. They fail to take timely and effective measures to prevent and address fraud on their platform. My account is vulnerable and unprotected. The dispute and resolution process is unfair and deceptive. They dont comply with error resolution requirements under efta. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a 30 day late payment in XXXX of 2020 during the first month of Covid-19 Shutdowns. I made an arrangement with them, wrote a Good WIll letter and they refuse to remove the late payment status with all of the credit bureaus. 
Under The CARES Act, which was signed into law on XXXX XXXX, 2020, Act amends theFair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for update. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Pennymac is foreclosing on a homeowner who has attempted in good faith to renegotiate a loan modification of this home equity loan. Also, the foreclosure itself may be invalid due to improper notice requirements. Pennymac should be required to meet loan servicer guidelines in terms of a single point of contact and HAMP loan modification regulations.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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
Product: Consumer Loan

Sterling Financial has reported a loan to the credit bureaus that I do not have placed with them and they have also reported it with derogatory information. 
The loan they have me listed for is actually not theirs to list but belongs to XXXX XXXX XXXX and is paid on time.
Product: Credit card or prepaid card

I purchased two items online from Best Buy using my Citibank Best Buy Credit Services Card ( XX/XX/22 and XX/XX/22 ). XXXX was to deliver them. Neither item were delivered and the status for the items were listed as " delayed ''. A week later, I had XXXX  run traces on the items and was told that they were " lost ''. At some point later, XXXX changed the " tracking status '' from delayed indefinitely to " delivered '' and backdated the delivery dates to XX/XX/22 and XX/XX/22, with no record of the " delayed '' status appearing in the history of the item. This is FRAUD! Best Buy told me to take it up with XXXX. XXXX told me to take it up with Best Buy Credit Services. 

Best Buy Credit Services claim to have conducted an investigation but all that entitled was printing out a copy of the fraudulent delivery status. I submitted additional documentation showing that the date was backdated and no action was taken. 

Every time I call Best Buy Credit Services ( Citibank ), I get a call center and am " transferred '' time and time again to other call centers. I have asked for contact information for their Corporate office and for their legal division, but they refuse to help. 

I have also filed complaints with XXXX against XXXX, Best Buy, and Citibank
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 155 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,2017 there was an inquiry on my credit report from  XXXX   XXXX  and I did not authorize this or sign any applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without permission nor was I told. These are unauthorized and I have been fighting with them and credit companies, XXXX is the only one that removed information. I have been fighting this since last summer 2017 and also the cable company ran my credit and was told that it would be a soft hit and that is not the case.
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. 


I told the Experian to reinvestigate these accounts : XXXX XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXXXXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 


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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case