23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Caller was professional and did not use abusive language or call to frequently. 
My problem is they demand that i disclose my Social Security Number and refuse to verify my identity any other way. 
The Privacy Act of 1974 as well as Virginia 's Protection of Social Security Numbers Act make it unlawful to deny any service for refusing to provide my Social Security Number. The Creditor is stating they are associated with collecting a debt of {$XXXX} from Virginia State Taxes. I have attempted to contact the Virginia State tax office however, the phone has never been answered for my numerous calls. Seem there is no way to contact anyone at the tax office. It seems very strange and suspicious that a state tax agency would place {$XXXX} to a private collection company based out of state ; that is either unfamiliar with the law or disregards it. This is such a minor amount of debt that I had thought was already paid as I do every year. The collection company is called PennCredit corporation located at XXXX XXXX XXXX XXXX, PA XXXX with a phone number of XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XXXXXXXX XXXX  and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has drastically dropped my score for no reasons my car loan was paid off XX/XX/XXXX it dropped my score from XXXX to XXXX a new account hit it dropped three more points XXXX reported my card stolen it dropped 6 points in now at a XXXX as of XX/XX/2019 they only do this to XXXX consumers I my score should have went up from paying off my car loan not dropped 25 points. Experian is full of XXXX and need to be fined for improper abusing of credit scoring and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX, Experian, XXXX because I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account.
Product: Mortgage

We made our regular mortgage payment every month in the amount of {$650.00}. The bank demanded additional {$2600.00} in XXXX and we made that payment due to concern that the bank will keep incorrectly reporting the mortgage in default. The bank finally admitted that they caused the mistake, but did nothing to correct the problem. We need our {$2600.00} refunded back to us immediately.
Product: Credit card

On XX/XX/XXXX, I purchased goods from XXXX totaling {$520.00}, including a glass reptile tank and a ceramic heater. Initially, the items appeared functional, but upon use, they became damaged and unusable. The glass reptile tank cracked during normal use, and the ceramic heater developed damage, making both items unsafe along with the small accessories inside and of what was cheap quality which I made to XXXX clear I was uninterested in. 

According to XXXX return policy : Our return policy is simple if you are not 100 % satisfied with your purchase, you can return it to any of our XXXX or XXXX  XXXX  XXXX stores or to one of our XXXX warehouses within 60 days of purchase. 

However, due to the hazardous condition of these items, I was unable to return them in-store or by mail. I contacted XXXX for a refund, but they refused to issue one. 

I subsequently filed a dispute with Citibank, which was closed on XX/XX/XXXX after I missed an email requesting additional documentation due to a notification failure in their app. Despite providing the necessary details later, Citibank declined to reopen the case. 

XXXX ( Case # XXXX ) acknowledged my concerns but only offered replacements or store credit, which I declined as I no longer trust the quality of their products. Given the unusable condition of the items and the circumstances, I believe I am entitled to a full refund. 

I have made every effort to resolve this issue with both XXXX and Citibank and request further assistance to obtain the refund I am owed.
Product: Debt collection

XXXX XXXX wrote off a fraudulent debt for a XXXX XXXX XXXX due to a non existing account of approx {$27000.00}. I did not have a contract with XXXX XXXX. XXXX XXXX tried to produce a contract which did not have my signature nor theirs. A contract is a signed agreement by 2 parties. XXXX XXXX wrote off the fraudulent debt in the approx {$27000.00} and Resurgent Capital Services purchased this fraudulent debt. I did not have a contract with XXXX XXXX nor do I have a contract with Resurgent Capital Services. Resurgent is holding the title to my vehicle. I want my title from them. XXXX XXXX nor Resurgent capital can produce a valid or signed contract from me. They are causing me harm and anguish. I want my clear title to my XXXX XXXXXXXX XXXX sent to me immediately and/or a release of lien letter over-nighted and/or emailed to me.
Product: Credit reporting

Trans union had a computer breach in their system that violated the rights of their consumers under section 6.11 I have been greatly affected and my score is suffering as a result.This computer glitch which caused all of the inquiries on my credit report to be deleted, and my credit score increased.The very next week all of the inquiries were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of trans union and they all acknowledge that the security breach happened multiple times in XXXX but they refuse to fix their error in my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit file. I demand the following inquiries be removed immediately.1 ) XXXX ON XXXX, 2 ) XXXX ON XXXX, 3 ) XXXX ON XXXX, 4 ) XXXX ON XXXX, 5 ) XXXX ON XXXX, 6 ) XXXX ON XXXX, 7 ) XXXX ON XXXX, 8 ) XXXX ON XXXX, 9 ) XXXX ON XXXX, 10 ) XXXX ON XXXX, 11 ) XXXX ON XXXX, 12 ) XXXX ON XXXX ,13 ) XXXX ON XXXX, 14 ) XXXX ON XXXX, 15 ) XXXX ON XXXX, 16 ) XXXX ON XXXX, 17 ) XXXX ON XXXX, 18 ) XXXX ON XXXX, 19 ) XXXX ON XXXX, 20 ) XXXX ON XXXX, 21 ) XXXX ON XXXX, 22 ) XXXX ON XXXX, 23 ) XXXX ON XXXX, 24 ) XXXX ON XXXX, 25 ) XXXX ON XXXX, 26 ) XXXX ON XXXX, 27 ) XXXX ON XXXX, 28 ) XXXX ON XXXX, 29 ) XXXX ON XXXX, 30 ) XXXX ON XXXX, 31 ) XXXX ON XXXX THANKS, XXXX
Product: Checking or savings account

On XX/XX/2024 a withdrawal of {$3900.00} was made from my Cash App account and sent to XXXX XXXX XXXX. I did not make nor authorize this transaction. I had never heard of this bank until I saw my money was gone.
Product: Credit card or prepaid card

I stayed at the XXXX XXXX  XXXX XXXX for XXXX nights. Each night was reserved and paid for separately using 3 separate virtual charge cards and paid for the same night room was reserved. I had used my destiny charge card to pay for the {$100.00} incidental deposit that the hotel requires to be paid upon checking in which is then returned after checking out. Below are the 3 nights and charges made on the 3 separate virtual charge cards : XXXX In XX/XX/XXXX XXXX out XX/XX/XXXX - {$79.00} XXXX In XX/XX/XXXX XXXX out XX/XX/XXXX - {$64.00} XXXX In XX/XX/XXXX XXXX Out XX/XX/XXXX - {$67.00} Fast forward to late XXXX... I log online to view my Destiny credit card statement to find that XXXXXXXX XXXX  had not returned my {$100.00} incidental deposit but instead charged my card twice in amounts unknown to me. One charge was for {$140.00} & the other for {$520.00}. I couldn't reach anyone on phone at the hotel so I ended up going down there and the lady at front desk wasn't even able to tell me what the charges were exactly for but was able to print everything out for me and gave me a number to call for accounting. I attempted a few times to call the number she gave me but was not able to ever get ahold of anyone in accounting at the hotel. I then contacted Destiny / Genesis customer service within the 60 days of charges being posted to my account and I ended up submitting a dispute in regards to these charges because I'm confused to what these charges are from and why I was charged these amounts instead of being reimbursed my {$100.00} deposit. After about 30 days I hadn't heard or received anything in regards to the dispute so I contacted Destiny and was told the charges were still being investigated. As More and more time had passed I still hadn't received anything on the outcome of my dispute so I contacted Destiny again. This time I was told by the rep that the investigation was completed and that they will mail me their findings. I asked if she could verbally let me know what the outcome was and what charges were for but she couldn't. So I confirmed my mailing address and have been looking for something ever since. But as of today ( has been well over 30 days now ), I have yet to receive anything in the mail ( I typically throw what may seem to be junk mail away without opening but have been opening every single piece of mail receive just in case ). Well, Now I'm past my 60 day dispute time and past the 15 days to appeal whatever discussion had been made based on their findings made and the charges are still reflecting in the balance I owe to destiny. I am now not sure if there is anything I can do to fight these two charges bc of the timing and even though I know I shouldn't of, I've stopped paying my monthly bill to destiny. PLEASE, I NEED TO KNOW WHAT OPTIONS I HAVE TO CONTINUE WITH TRYING TO GET THESE CHARGES RESOLVED ( AND KNOW EXACTLY WHAT THESE CHARGES COULD POSSIBLY EVEN BE FOR ). THANK YOU IN ADVANCE FOR YOUR TIME AND ASSISTANCE WITH THIS MATTER.
Product: Credit card

I purchased a travel reservation on XX/XX/XXXX with my credit card and credit card points. I cancelled the reservation on XX/XX/XXXX and was promised a refund for the credit card total ( {$2000.00} ) within 7-14 days and the points ( {$80.00} ) within 24-48 hours. I received the credit card refund in a timely fashion, however, the credit card point refund still has not been received as of XX/XX/XXXX even though I was supposed to receive it within 2 days. Citi has been very poor with email communication and is not giving me a defined resolution ETA despite multiple requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I requested a free annual credit report from Trans Union, XXXX, and XXXX. 

Received written reports from XXXX and XXXX but Trans Union responded with a written request for verification of my current address - which house I own, and where I have resided, for 52 years. I called Trans Union and spoke with XXXX, a gentleman, and explained that my street address is correct but included " XXXX XXXX '' which is not correct and this is our single family residence that has been in their file since purchasing the house. XXXX stated he would make the correction. This error surfaced with Trans Union after my obtaining a credit report in XX/XX/XXXX ( that reflected my correct address ) but before obtaining my most credit report in XX/XX/XXXX. As of this date I have not received my requested credit report from Trans Union. 

Upon reviewing the credit reports from XXXX and XXXX the same address error was recognized. 

I telephoned XXXX next because their written report reflected a loan ( or credit card ) with XXXX XXXX in XXXX TX telephone # ( XXXX ) XXXX account # XXXX. Reported, was a high credit of {$740.00} and a credit limit of {$17000.00} with account opening date of XX/XX/XXXX in addition to the " XXXX XXXX '' address error. My telephone call to this number resulted in it being XX/XX/XXXX - with whom I have never conducted business. After over two and a half hours on the telephone, and speaking to five representatives ( all of whom I requested to speak with a supervisor ) I gave up as it became obvious that the representatives at XX/XX/XXXX are not capable of complying with my request for a supervisor. None of the issues have been resolved as of this date. 

Lastly, it is anticipated the same lack of cooperation with XX/XX/XXXX representatives will be experienced therefore, this complaint in seeking a resolution to include XX/XX/XXXX. 

Having over XXXX years in running a XX/XX/XXXX, owning my own XX/XX/XXXX company and XX/XX/XXXX as well as serving as XX/XX/XXXXto the XXXX XXXX XXXX it has become obvious that the credit reporting agencies that are now providing their services are not to be trusted in providing same. 

Your assistance would be greatly appreciated is assisting with the corrections above described.
Product: Debt collection

Debt collector of CashNetUSA have been calling me multiple times, 3 times a day. Everyday they call me.
Product: Debt collection

XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX / XXXX / {$1300.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX  ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX  ).
Product: Credit card or prepaid card

I opened a previous complaint about this issue, XXXX. 

After contacting the company in XXXX that owns the cafe 's on the ferries, it was determined that I was wrong about the charge. It was apparently not from a purchase in a cafe. As I continued to dig I uncovered more information. 
First, thank you for contacting CITI Bank. Only after they received your notice of my complaint did they actually do something to help. They obtained a copy of the receipt and shared that with me. The signature on that receipt is not mine. 

I will upload the email correspondence with the cafe parent company and my correspondence with Citi Bank as this matter unfolded. 

Citi has once again closed this case and consider this to be my responsibility. Whereas before I was concerned about being grossly overcharged, now I am fairly certain this was a fraudulent charge made without my knowledge.
Product: Money transfer, virtual currency, or money service

From XXXX XXXX XXXX an individual going by XXXX would message me through XXXX and eventually phone number ( XXXX XXXX ) XXXX saying to deposit checks ( {$490.00}, {$490.00}, {$490.00}, {$490.00} ) sent by his accountant 's assistant XXXX XXXX ( XXXX ) and then transfer some of the money to his nephews and his friends via XXXX ( XXXX ; XXXX XXXX ; XXXX XXXX ) and to keep the rest. However, one of the checks finally bounced, finally got the guy on the phone ( and he sounded unfortunately not like what the guy would sound like on instagram ; e.g., sounded XXXX and the XXXX was a XXXX  guy ). We were texting for about four days and his situation sounded legitimate, he wanted to help pay one of my bills, in exchange for me texting him and giving him " companionship '' and I mentioned as long as it's just friends, I'm happy to help. He made excuses like, oh I'm going through someone stealing my identity so that's why I can't make the transfers myself and my back has been reported so that's why your check bounced, but when I finally said that I'd be reporting his number and emails and account to the authorities, he said " Ok '' and blocked me on XXXX. I've attached the checks they sent and one of the back ( the back was all the same ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. XXXX XXXX XXXX is not reporting the correct loan amount on all major credit bureaus.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

We lived in an apartment complex and signed a year lease with them on XX/XX/XXXX. We paid on time and gave a XXXX $ security deposit. We moved out before the end date of midnight XX/XX/XXXX, left the apartment empty with no damages, and paid our final dues. SIX MONTHS LATER my friend gets a call from a collection agency asking for me. I call the collections company to see why they are bothering my friend and they say i owe them money and i need to pay right now or that they're going to send it to collections and continue to call me and my friend until i pay ( threat ). I didn't receive any letter any call and suddenly it ends up in collections for something i already paid.ON TOP of all of that they kept our security deposit and are still trying to get more money out of us.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was victim of a scam. A friend reached out to me on social media and tricked me into making false financial investments. ( I later learned that the friends account was hacked. My social media accounts also became hacked ). I was instructed to send an initial investment from XXXX of {$1000.00} to an account I was instructed to create at XXXX This account showed my initial deposit of {$1000.00} and a profit return of {$11000.00}. After a day the profit appeared I was then instructed via email that I needed to upgrade my XXXX XXXX account by paying {$2500.00} in order to withdrawal the initial investment of {$1000.00} plus the profit amount. On XX/XX/XXXX I contacted the company directly through XXXX and inquired on how to withdrawal the profit. I was told I needed to follow the instructions of the account manager and upgrade the account. On XX/XX/XXXX, I made the secondary payment of XXXX via XXXX and XXXX to withdrawal my funds. I was still not able to withdrawal and again I guided directly through the website and via account manager who no longer responded. At that point I claimed fraud on XXXX ( denied my claim ) and USAA for both the XXXX and XXXX payments. USAA debited the account for the XXXX  payments ( {$2000.00} ), replaced the debit cards linked to the account, and started an investigation. I received a call back from USAA on XX/XX/XXXX. I told them what happened and the investigator told me I was at fault and that I can no longer use my mobile wallet, XXXX, I will have to payback the debited amount of {$2000.00}. I was notified today XX/XX/XXXX the investigation is complete and I will be responsible for paying back the debited amount. I did not intentionally seek a scam I was investing in a product.
Product: Vehicle loan or lease

I have called Ally Direct multiple times throughout the year of XXXX. I lost my job and was struggling to make the payments at times. Each time I called this company I was placed on hold for more than 2 hours. Crazy right. Once I finally got ahold of someone that couldnt process my request for an extension. Stating their computer system was down call back in an hour. 
I understand my car payments is late since XXXX but no one is helping, now I have a letter for repossession plus a threat for future late payments could cause repossession without a notice.
Product: Checking or savings account

I filed a dispute after XXXX dollars was stolen from my account via cash app. They told me that my account would be closed as a result of the dispute. My account says that it is closed but I have been receiving statements every month since they said they closed it in XXXX. I have a balance of XXXX that they will not release to me. I have called them ad emailed them several times regarding this matter. All they tell me is the account is closed and that is the final decision. If my account is closed then release my funds and let that be the end of it. I have been waiting over two years for my money to be returned to me but nothing has happened. They once told me that the funds are being sent back to the person who sent it to me but his account was closed. So the bank ended up returning it to XXXX XXXX. I need the funds to be sent to me via check or wire transfer to my new bank. Just the funds remaining I don't even care about the XXXX that was stolen from me.
Product: Student loan

XX/XX/XXXX I was forced to drop out of college and return home to work full time and support my family between medical issues with my grandparents and emotional turmoil because of financial stress with my parents. XX/XX/XXXX my EdFinancial Services loans kicked in and I began making payments every month. I submitted electronically a request for Auto-Pay however I was never billed in XX/XX/XXXX and " missed the payment '' so then I spoke with someone on the phone to enroll me in Auto-Pay for XXXX. Again, I was never billed in XX/XX/XXXX and " missed the payment '' again, even though I make sure to never miss payments XXXX or at least pay the minimum ). I have since not missed any other payments and have fully paid off the loan.