23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Despite my account being current, timely payments made, and the latest statement showing a current balance, I still receive harassing robocalls from XXXX Bank XXXX The calls are harassing and after XXXX PM and back to back ( enclosed ). I have already notified XXXX Bank XXXX XXXX XXXX XXXX credit my account for the missing crypto, and adjust the balance to reflect the value of the agreed rewards. 

The undersigned contacted your office and left a voice mail requesting a callback, tried chat messages, and even a formal process. To date, no call has been returned. If we fail to hear from you within a reasonable amount of time, we will consider the terms rejected and pursue small claims.
Product: Debt collection

Portfolio Recovery Associates called my cell phone looking for my mother. She does not have the same phone number and they would not tell me why they were calling her. I asked how they got my phone number, and she repeated asking for my mother. This debt collector is calling other people other than the debtor in attempt to ruin a persons reputation in order to make them pay. Would not give any other information, and then hung up.
Product: Debt collection

I mailed a letter on XX/XX/2021 to XXXX, XXXX, and Equifax about 2 child support accounts on my Consumer Report and that violates my privacy and privacy act by reporting this. I havent received a response from neither of the 3 companies and its XX/XX/2021, thats over 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a negative item was removed from my Experian Credit Bureau Report. I was on the phone with them When they took it off. At that time My Experian credit score was XXXX. 2 days later my credit score jumped up to XXXXXXXXFICO Score. On the XXXX of XX/XX/2021, I was informed by Experian that my credit score had been put back to XXXX, I naturally could not understand why this event took place. I ordered My credit report and saw they had put back my negative item. I called and expressed my concern and they again removed it in violation of FCRA code that requires Credit bUreaus to notify consumers of a major change in their credit report. my score went back to XXXX FICO. 
On the XXXX of XX/XX/2021, I called a major Mortgage lender to inquire about refinancing my home. After checking all 3 credit Bureaus they said Experian reported a XXXX credit score. 
I called Experian and could not get a logical or technical explanation of why this happened. They said they were reporting FICO Score correctly. But we do know that was a lie as their own paperwork to me said my FICO Score was XXXX ( paperwork included ) Today I called another Lender and he reported their FICO Score as XXXX. On XXXX I received an alert from Experian stating my FICO Score was now XXXX. Yet the new lender was shown a score of XXXX. I hope you can resolve this. I would like to have the companies I'm doing business with be shown accurate information
Product: Credit card or prepaid card

XX/XX/2020 Citi Bank Office of the President XXXX. XXXX XXXX XXXX XXXX, SD XXXX. Citi Reference Number : XXXX CC. Consumer Financial Protection Bureau - Case # XXXX Dear Citi, I am in receipt of your letter dated XX/XX/2020. 

Clearly you did not review the history of this account. Please see the attached past correspondence of the sequence of the events showing the system issues that resulted in a {$3.00} requested refund in lieu of the appropriate {$3000.00}. 

Therefore, I am requesting that you review the whole history from XX/XX/XXXX till today. This should clarify my case : In summary : XX/XX/XXXX Open the dispute of {$3.00} only because the system did not allow me to include the {$2900.00} due to a Citi technical web site issue ( so I was told by the dispute department staff ) XX/XX/XXXX Citi acknowledged the web technical issues and Citi tried to adjust the dispute to the correct amount of {$2900.00} but entered the wrong amount of {$1900.00}. 

XX/XX/XXXX Citi acknowledged the amount error and corrected the dispute amount to the correct amount of {$2900.00} Since XX/XX/XXXX, Citi has given me the round around every time I inquired : a. Past due date of the of the dispute b. I was already refunded by the merchant c. I did not submit the documents d. Etc. 

I truly believe that no one at your company took the time to review this and give it the time and effort to truly understand the case. 

Added proof that nobody is looking at my case is the fact that I have paid my CITI Credit Card balance some time ago and I have no balance due on my existing credit card. 

XXXX XXXX Enclosed : Email dated XX/XX/2020 Email dated XX/XX/2020 Email dated XX/XX/2020 Email dated XX/XX/2020 XXXX
Product: Credit card

Hello, I purchased tickets from XXXX for a football game on XXXX. XXXX shortly provided me with the link to transfer ownership of the tickets from a site called XXXX. When i used the link it stated the owners name and a button to allow me to transfer the tickets. after the button was clicked the page would refresh and would state that the transfer was not accepted at this time. after making sure all the email address linked up and i had no extra account on XXXX, I then made the phone call to XXXX. They informed me of their protections and that they were not able to do anything further until an hour before the event. If the link still did not work that they would provide me with other tickets or issue a refund. an hour before the event the link still stated the same thing and XXXX did not provide me with compensation. I then escalated to Paypal after a week Paypal closed in favor of XXXX. I then tried to fix this with XXXX again only to be left unaswered for over 3 months and weekly checkups that took me upwards of XXXX minutes on the phone each time. After feeling left, i escalated again with Synchrony bank through Paypal credit. I recieved an email back today that they also sided with XXXX. I never once saw those tickets or received any sort of compensation from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally notify you that I am a victim of a data breach, and I request the deletion and blocking of the accounts listed below on my XXXX credit report. As provided for in XXXX XXXX XXXX ( a ), I am entitled to request the blocking of any fraudulent accounts that result from such breaches. 
Please find the following details related to the breach : Full name : XXXX XXXX Address : XXXX XXXX Way XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of birth : XX/XX/XXXX Social Security Number : XXXX Accounts affected by the breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XXXX ( Equifax XXXX ( XXXX ) XXXX XXXX XXXX XXXX Equifax XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXXXXXX XXXX XXXX XXXX ( XXXX ) Acct : # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ORIGINAL CREDITOR INQUIRIES : ( XXXX ) ( XXXX ) ( Equifax ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( Equifax ) Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX I ask that you block all fraudulent accounts that have been compromised or opened as a result of the breach, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX ( a ). I also request confirmation that these accounts have been deleted or blocked from my credit report. 
Please send me written confirmation of the actions taken within the required timeframe. 
Thank you for your prompt attention to this matter. Should you require any additional information or documentation to process my request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Mortgage

PLEASE HELP ME GET A SINGLE POINT OF CONTACT FOR LOSS MITIGATION OF A VA LOAN!!!!!!!! I have been seeking a VA mortgage modification since XXXX!!!! I have been dealing with Carrington since they acquired servicing of my mortgage in XXXX and they have NEVER assigned a single point of contact to my case. This has cost me time in the form of wasted effort and timing from when mortgage rates were better and the financial picture was more favorable. For years I have continued to submit loss mitigation packages, most recently XX/XX/XXXX and XX/XX/XXXX, and have STILL not received the name and contact information for a single point of contact. I receive letters requesting that I call the main number, example attached. When I call that number I do not get the same person nor the same instructions twice. This is a stonewalling tactic!!! I have submitted EVERYTHING they have asked for or a letter of explanation in lieu of an item that is unattainable. Per Colorado law 38.38.103.1 and federal regulation under Title 12 Chapter X Part 1024 Subpart C 1024.40, I should have been assigned a single point of contact literal years ago! Please help me in enforcing that Carrington complies with the laws and regulations or direct me to the department or agency who can. This is causing undue stress and financial damage to my family.
Product: Money transfer, virtual currency, or money service

I wired {$2000.00} on XX/XX/2018 to be deposited into my Coinbase account, but no funds ever showed up in my account. I have confirmed with the receiving bank that they credited Coinbase with my funds. I have emailed Coinbase multiple times in an attempt to resolve this issue, but they have never responded, and the funds have been unaccounted for for over 3 weeks at the point in time. I have asked the receiving bank to reverse the funds, but they have been unable to reach Coinbase for approval. I have also tied to reach Coinbase by telephone, but I only get a recorded message to contact them through XXXX, which is where I have been sending my previous messages. It seems to be effectively impossible to contact Coinbase.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

There was no notification from Nationwide to collect debt and they posted a derogatory medical collection remark on my credit report in XXXX. 

Additionally, I have not provided my social security number to any company since the past 4 years. 

The collection is in violation of Fair Debt Collection Practices Act.
Product: Credit reporting

I placed a security freeze on my account with Equifax, but was never given a pin to unfreeze. I have sent XXXX letters to equifax requesting a replacement pin. I have included a copy of my Driver 's License, SSN #, Date of Birth, Current address and contact information as they requested. In addition I have enclosed the {$5.00} fee for replacement pin. All three times I have received a letter back saying they do not have the correct information to replace my pin. This is holding up a real estate transaction and I am incredibly frustrated. How do I get to speak to a person and get this corrected?
Product: Credit reporting, credit repair services, or other personal consumer reports

I first disputed this XXXX XXXX XX/XX/XXXX, I thought is fraud and wasnt aware I owed this debt. I disputed and received validity of the debt. Ive been speaking with XXXX  and settled debt as of yesterday XX/XX/XXXX. I disputed the debt with Experian XX/XX/XXXX and sent them my settled in full letter that XXXX  sent me, they emailed me a few hours saying the debt isnt being removed. Please help me get this removed, I wasnt aware I owed this debt and when I was made aware I paid it. I feel Experian didnt even take the time out to review my dispute properly or even looked at my supporting documents, I opened the dispute at XXXX est and it was closed at XXXX est
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CREDIT ACCEPTANCE CORP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CREDIT ACCEPTANCE CORP with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and XXXX entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries This is not misrepresentation I am victim of Identity theft this not a mistake sent in error. I did not consent to authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. Please block and remove immediately the following inquires from each Bureau.
Product: Checking or savings account

hello, I have recently became aware that a debit card I had canceled, and Citizens Bank reassured me it was canceled, Is still receiving charges. I have the new card that should be the only active card on the account/ card that appears on my account. in my hand. I have proof of the old card number, where the charges occurred. this is violating and I do not trust Citizens Bank anymore
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX ( XXXX, XX/XX/XXXX Credit Limit : {$500.00} ), XXXX  XXXX  ( XXXX, Date Opened : XX/XX/XXXX Balance : {$960.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, U S DEPT OF ED/XXXX. 
Company Inquiries 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

I believe that Experian is in violation of the FCRA and my consumer rights. Per the FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not legally validate disputed information with the original creditor, they must remove said information from consumer profile. The listed bankruptcy had not been legally verified/validated. I have proven more than once with letters and other documentation from the Bankruptcy Courthouse and Pacer Email correspondence that neither entity report to credit bureaus or to third parties. Furthermore, each entity stated they do not confirm bankruptcies due to privacy laws. In fact, it is third party providers who collect information and in turn sell or give it to the CRA. However, per Rule 9037 of the Federal Rules of Bankruptcy Procedure - bankruptcies must be verified/validated by matching consumer 's FULL Social Security Number. Yet per section 205 ( c ) ( 3 ) there is no way to match social security numbers due to privacy compliance that states no one 's full social is to be listed on a public records cite. Despite these laws, XXXX maintains that the bankruptcy listed has been verified. First they claimed the furnisher was XXXX XXXX. When I proved XXXX XXXX has no bankruptcy listed within my consumer profile they switched to claims that they verified with original creditor, which is false & fraud. They have never legally verified with the courts or pacer. 
I've been battling with XXXX regarding this since XXXX. Whenever they initiate a dispute or reinvestigation because I sent proof they're claims of verification are fraudulent, they close out the dispute or reinvestigation within an hour claiming verified. This is an additional violation of the FCRA Furnisher and Dispute Investigation Rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a " XXXX, XXXX '' account online. It was meant to improve my credit. While I was on automatic payment and received a weekly paycheck everything was fine. I had in fact forgotten about the account. They never sent statements and their emails would go to my junk mail. 

On or about the XXXX day of XXXX I applied for a mortgage and my XXXX XXXX was around the XXXX range. XXXX then reported the payment for XXXX late and it resulted in a XXXX point decrease in my XXXX XXXX. I requested that as a courtesy they remove the late payment as the first time I saw the late was when it was reported. 

XXXX indicated that they do not send paper statements they only communicate by way of an email. Because I was dealing with my father 's death, I did not even get the emails or remember to look for them. They refuse to reverse the late payment and I am devastated as now I can not move my family into a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of 2013 i have been a victim of identity theft there are multiple items on all my credit reports I never knew and never opened only credit I opened up was a XXXX  XXXX bank account anything else I don't have any knowledge of ... I also got a police report..
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX  XXXXdischarged Court XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 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 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 INQURIES XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX CO Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b INQURIES - 15 USC 1681i 15 USC 1681b - CHARGE OFFS 15 USC 1681IS-2 COLLECTIONS 15 USC 1692g LATE PAYMENT 15 USC 1681 BA2 LATE PAYMENT 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681. 
XXXX  BANKRUPTCY CODES FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Student loan

I have received a bill and attempted to reach Edfinancial via phone on XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 and after waiting for longer than XXXX hour each time to be disconnected from the call queue. I have sent a " contact us '' message via the portal on XX/XX/23 and have not received any response. I have also uploaded court documents into the web portal as this debt was XXXX in bankruptcy and still no response and the online portal indicates the debt is past due. It is very difficult to reach someone at XXXX by any means.