23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was trying to purchase a new puppy online from a website called XXXX. However, I never received my dog because it was fraud. The seller continuously communicated with me about the dog and even sent paperwork for me to sign insuring my purchase. I felt that the seller could be trusted so on XX/XX/22 I made the purchase of {$850.00} for the puppy through XXXX. The seller even made me name the reason of payment as " XXXX XXXX '', the name of the puppy. As soon as I was aware of the fraudulent activity I contacted my bank PNC to dispute the transaction. About a week ago, when calling to check on the investigation of my dispute I was informed that my use of XXXX had been terminated. Today I was informed that my dispute claim had been denied because the bank decided that my claim was " false ''. My XXXX should not be turned off, the seller 's should. I have hard evidence proving that my above statements are true and the bank should credit my account. The FDIC has regulations against fraud by wire and this person is in clear violation of them. The website is currently still up and another person could potentially be scammed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX gave me a date of XX/XX/XXXX or XXXX of 2020 I believe. I was not aware of a credit card application that I didnt approve through BestBuy affiliation with CitiBank that opened up on my credit report on XXXX XXXX Im reporting a fraudulent issue, complaint, and would like it removed. I contacted BestBuy, Citibank and was told of no report through my full name & social that they did not see nor have one on file.
Product: Debt collection

Pinnacle Recovery Inc. of XXXX XXXX XXXX, XXXX, CA XXXX, keeps sending me and my wife fraudulent notices of a debt that they ( Pinnacle Recovery ) are attempting to collect on behalf of XXXX XXXX XXXX. 

This mail fraud, identity theft and debt collection has escalated to the extent that a representative called our XXXX XXXX country landline home phone trying to make arrangements to collect a debt of {$1100.00} ( USD ) via Credit Card payment. 

My Wife and I have never transacted any business with XXXX XXXX XXXX We would very much like this harassment and fraudulent practice to cease and desist. It is all a scam, a sham, fraudulent, vexatious, tenuous and disgustingly opportunistic. Thanks in advance CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for an American Express credit card. American Express sent me an adverse action notice ( which I am attaching ) stating they denied my application based on an XXXX credit report from XX/XX/year>. The denial cited a XXXX score of XXXX and listed several negative factors including recent delinquencies, multiple delinquent accounts, too many inquiries, and high revolving balances. 
However, my actual XXXX credit report from XX/XX/year> ( which I am also attaching ) shows completely different information : XXXX score of XXXX No delinquencies No collections No inquiries Only XXXX  % credit utilization on {$XXXX} total credit limit When I contacted XXXX about this discrepancy, they stated they can not provide the historical report they shared with American Express. 

American Express directs me to XXXX, creating a circular situation where neither company will show me the exact report used for this decision.
Product: Money transfer, virtual currency, or money service

Coinbase closed my account without explanation, resulting in XXXX XXXX ( {$1900.00} USD ) as of XX/XX/2023 being trapped in my account, unable to be accessed. 

I have tried to contact and get support for this issue multiple times in the past 3 months, to no avail, support representatives we unhelpful and were not able to resolve the issue.
Product: Debt collection

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and the CREDIT BUREAUS a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I received a hard inquiry from a company who I never heard of and never made any inquiries. Received a letter in the mail and looked up the phone number to see its a common scam number XXXX
Product: Vehicle loan or lease

I am writing to file a formal complaint against WESTLAKE FINANCIAL SERVICE. I believe this company has possibly engaged in improper repossession practices. Im thus seeking more information regarding what exactly happened here.

To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/1988. My Social Security Number ends in SS # : XXXX Please send me all the documents that I am requesting in the attached document
Product: Debt collection

Account Name : WELLS FARGO BANK Account Number : XXXX Date Opened : XX/XX/2016 Balance : 122 Reason : Identity theft Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, i obtained a loan from XXXX Bank via AFFIRM to pay for my college courses. ( XXXX ID # XXXX ) In the amount of {$2800.00}. I've been making payments since XX/XX/2022. XXXX Bank nor Affirm has reported my installment loan payments to the credit bureaus and it has been well over XXXX days as stated by their website. I'm asking that this information as well as all current and future payments are reported to the credit bureaus as it is affecting my credit due to not having any installment loan information when i in fact have one that's not being reported.
Product: Credit card or prepaid card

This is a 3 part fraudulent and identity theft issue. 1. My XXXX account which is tied to my PayPal account, was fraudulently accessed by parties in the XXXX XXXX to order from XXXX XXXX  Although 4 or the 5 attempts to purchase were caught, one went through and was charged to my PayPal account which is tied to my credit union checking account. After a dispute of this charge was filed with PayPal and declined by their computer automatic decline policy, I contacted the credit union who cancelled the current account, issued a new account, and filed a dispute to PayPal. I disputed the PayPal decline and it is currently being looked at by a person but again their computer system is wanting me to submit more information before they move forward to resolve the issue and I am unable to do what it wants me to do. 2. My credit and personal information was accessed sometime in XX/XX/XXXX and XX/XX/XXXX and numerous, more than 20, attempts were made to open various types of accounts including credit cards, payday loans, etc. At least two new accounts were opened in my name which are fraudulent and I have contacted the companies, when I could, to get them closed and reported the activity to credit reporting agencies. I have placed fraudulent warnings, freezes and blocks to lock down my credit from further attacks. I also discovered that there are more than the 3 major credit reporting companies and one was heavily used ( XXXX Credit Report ) during the wave of applications for credit. 3. A fraudulent change of mailing address was filed with the post office to change my mailing address which I have disputed but it is still pending.
Product: Checking or savings account

RBFCU - Randolph Brooks Federal Credit Union- opened an account in my name, without permission. They included a minimum deposit amount, {$1.00}, in order to keep the account open and spam me with account statements and upsell marketing documents. I have major concerns about my information privacy and identity security if any bank can open an account without permission.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX  ( s ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( Late Date ( s ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of 2022. 
16 CFR & 444.4- late charges It is illegal to report late payments without the person consent.
Product: Debt collection

All these unknown addresses I want to remove that from my report all these credit that I want to remove after my report all of them I did not give them written permission to sell my credit report
Product: Consumer Loan

I have requested not to be contacted on my work cell phone. I have also asked to have my account appointed to a different representative due to the lack of respect and professionalism I get from my current rep. Today I receive a call from my representative who would not provide her name or company id. I asked to be transferred to a supervisor and she hung up on me, claiming I was swearing at her and she would not accept that abuse. My voice was elevated but never at any point cursed. I call back and get connected to a XXXX XXXX. I point out I have requested Ally speak with my wife XXXX XXXX, only to be told by XXXX XXXX " If XXXX does n't respond they still have a right to contact me '' and she hung up on me. I have had bad dealings in the past with my Rep who states her name is XXXX, will never offer any other information such as a company id. I do not want calls on my cell, Ally will call my cell phone numerous times a month. I asked not to be placed on any sort of dialer system and can tell by the delay in answering the phone, Ally is using dilaer technology with my cell phone. They have done this before and will continue if nothing is done.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at Upgrade. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I've been trying to get Transunion to correct my name on my credit file. They have me as XXXX XXXX XXXX XXXX. I am not XXXX After literally 5 dispute actions they still refuse to correct my name and this has caused me to miss financial opportunities.

The company continues to tell me the information is accurate as though my birth certificate and my government issued identification is somehow wrong in their opinion. I have never used any suffixes regarding my name on purpose or accidently and I need this corrected immediately.

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

BBVA charged me overdraft fees for transactions that were not honored making the account balance negative and they will not close the account.
Product: Student loan

1 ) NAVIENT failed to apply a payment to my account. I always pay two weeks in advance and all of a sudden, I 'm delinquent. I called and they immediately said I made the error. Once they looked into my account, they realized I was correct and revised my account. 

2 ) In addition, when I asked for forbearance, they set my payment at {$670.00}. I started paying that in XX/XX/XXXX. NAVIENT adjusted my bill to {$820.00} two months later! They said it was interest accrued during forbearance, WHICH I WAS NOT INFORMED ABOUT! 

3 ) While in forbearance, at one point my loan balance double! When I tried to call, the phone lines were jammed. Apparently everyone else 's balance double, too. Makes me concerned about the software they use and how well it is monitored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a credit alert from XXXX XXXX XXXX that Aidvantage reported a new student loan onto my credit file. That same day I also received a credit alert from XXXX that Aidvantage also reported that this same student loan 's previous " credit limit '' was {$10000.00} however the " credit limit '' was " reduced '' to {$4100.00}. Due to the incorrect information being reported by Aidvantage ( reported this student loan account as having a credit limit ), this decreased my credit score with XXXX substantially, by almost 20 points when the " credit limit '' was " reduced. '' A telephone number was provided on my credit file for Aidvantage ( XXXX ). When I called this number, an automated system let me know that this number was to verify employment with federal workers. Not only had Aidvantage incorrectly reported information on my credit file ( reported a student loan with a credit limit ), it also lists an incorrect telephone number to get a hold of this student loan servicer. I then looked up Aidvantage 's telephone number online and spoke to several reps, including a manager who hung on on me. The reps told me to send in a written dispute, however, did not give me any information as to where it should be sent. They also refused to give me their credit reporting department 's telephone number.
Product: Vehicle loan or lease

I have requested on numerous occassions to have the extra money I send in each month to be applied to the loan 's principal. Wells Fargo is future dating my account rather than applying these funds to my princiapl. In an effort to pay off this high interest loan, I have been making weekly payments of {$100.00} in an effort to pay off the loan quickly. I currently pay through my bank by auto deduction payments. So, for four years I have been paying the loan off by paying {$400.00} per month ( {$100.00} a week ) therefore, {$5200.00} a year. Wells Fargo is future dating the loan and also applying these extra funds to interest. 

I have called, written, complained, etc. to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, ONLINE
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act DEPTEDXXXX XXXX XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wromng person.
Product: Credit reporting or other personal consumer reports

I requested a free credit report from XXXX XX/XX/XXXX. This report shows loan balances related to Mohela. An account inquiry at Mohela show balances of XXXX on all accounts XX/XX/XXXX. The XXXX credit report indicates that Mohela information was last updated XX/XX/XXXX. 
Mohela states that they are sending updated information to credit bureaus on a monthly basis. This is not occurring.
Product: Debt collection

Out of nowhere this company called XXXX XXXX XXXX put a collection on my account for {$640.00}. I started to get calls at all hours of the day and night. I had to shut my phone off at work because they kept calling. I have an XXXX XXXX XXXX in school and its been snowing very hard in Michigan. I have to keep my phone on and I couldn't even do that because I was getting into trouble for XXXX XXXX XXXX calling non stop harassing me. I asked for proof of this debt because I didn't know what it was for or where it came from. I know what debt I have or don't have and this is not my account. They never provided me with proof that this is my account. They told me they would arrest me and sue me if I didn't pay and that my credit report was not going to be fixed even though I filed a dispute against them. They called people I know and started asking them personal questions about me interrogating them and making them feel uncomfortable which is illegal. This company has a reputation for being dirty. How is it legal or right for random companies and people from all over the country to use some XXXX number to ruin our life and harass all members of your family? How is it legal for all this hacking and access to peoples information to happen to a point where people 's credit and life 's are put on hold outside their control for collections they know aren't their debt. Its illegal and its wrong..
Product: Debt collection

This is sort of a long story but the short version goes like this. At the start of last year ( pre COVID-19 ) I began the process of filing my taxes and was successful. I was to receive about XXXX Dollars that would have and should have made a huge difference in my life. At the conclusion of filing my taxes the federal government halted any wage garnishment, tax refund offset and social security off set due to the ragging pandemic which let myself and many other reeling on what to do. Well off course this predatory and useless debt collection company ( Professional Bureau of Collections of Maryland ( PBCM ) ) took my tax refund of about XXXX dollars!. This company is almost impossible to contact and does not return phone calls. I hope this doesn't happen to anyone else and I hope that this issue can be resolved with the company refunding me ever last XXXX the stole from me. This was my tax money that they unlawfully took from me! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my XXXX app informing me that XX/XX/2023 my account shows XXXX  days delinquent. I called the XXXX XXXX. However, I am currently in a forbearance and have been for months. This is the 2nd time that this has happened, I have been impacted and my score has dropped XXXX points because of this. I will like this immediately rectified.
Product: Debt collection

Company has continued to report the paid and closed account incorrectly to XXXX and XXXX. The paid and null debt has been removed from XXXX as it should, and company has not removed from XXXX and XXXX. Due to XXXX finding this report eligible for removal, company needs to ensure reported information is consistent across all three bureaus.