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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting 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.

Im the victim of an identity theft.I didnt authorize any of the following hard inquiries.Hard inquiries should only be made on my credit reports with my permission and clearly wasnt XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( Miscellaneous ) XX/XX/XXXX Has violated my rights.
Product: Debt collection

Starmark Financial has been calling my job daily after being told not to. They stated they do not have my cell phone number and repeatedly nagged my employer and coworkers for it. They used mocking, making fun of someones laugh, trying to force them to give their names, etc. theyre rude, unprofessional, and never provided me with the debt because they do not have any info for me personally and just keep calling my job, which I personally told them not to along with my employer. They will not listen. He was demanding, pushy, and will not stop calling. It is embarrassing and is adding stress being scared my coworkers will pick up when they call next.
Product: Checking or savings account

On XX/XX/XXXX I contacted Citi Bank to close my checking account. At that time all funds became unavailable and I was told they would send me a check for the outstanding balance. 

It is now XX/XX/XXXX and I still have not received the funds from my checking account. 

I have contacted Citi Bank no less than 13 times ; 9 times via their online chat support and 4 times via phone. 

Each time I've been told the account has been closed and that funds would be mailed. However, I've been given different time frames for the issuance of the check ranging from " 1-2 days '' to " 30-60 days ''. I've also been told that the delay is due to a 'fraud hold ' for which I've contacted Citi Bank twice ; each call has taken at least 60 minutes to complete and each time I've been assured that the hold has been lifted.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The letter was dated, XX/XX/XXXX from XXXX XXXX regarding " Notice of Debt ''. In the letter, the " Date of Service '' indicated XX/XX/XXXX and a " Balance Due '' {$2100.00}. Per the letter, the Original Creditor was XXXX XXXX XXXX XXXX, and Current Creditor is XXXX XXXX XXXX. This notice of debt is for a patient name, XXXX XXXX. I AM NOT XXXX XXXX, nor have I ever used that name or alias at any given time. It is also important to note that I use the Department of Veterans Affairs medical facility ( ies ) for any medical-related needs. 

In the past, I have also filed an Identity Theft Report with FTC. The ID Theft Report that I filed was also due to fraudulent medical services and charges in which other collection agencies attempted to file under my credit report/file ; even after I made verification with those collection agencies that the information they have on file such as DOB did not match with my DOB. I have also filed complaints with CFPB regarding those fraudulent services/charges/collections. 

If the creditors may require further proof, I have a copy of the ID Theft Report that I've filed. I can also provide a copy of the letter from the Department of Homeland Security ( DHS ) informing me that my personal information had been impacted due to a privacy incident involving a database used by DHS/OIG.
Product: Debt collection

APEX ASSET MANAGEMENT : XXXX OREGON XXXX XXXX XXXX, XXXX, PA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1300.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

Caine and Weiner has willfully violated me as a consumer. The company has disregarded my rights as a consumer. The first communication was initiated by me. I noticed there was an account furnishing on my report that Caine & Weiner is attempting to collect. I did not receive any communication or opportunity to dispute before this company furnished this to the CRAs. A cease and desist was put in place with specific instructions. I asked for Caine and Weiner to stop reporting and delete the account. They placed it in C & D status but refused to remove this account. They refused to validate or adhere to the FDCPA. This situation has been a complete nightmare.
Product: Credit card or prepaid card

I applied for a secure card for Discover, I made a deposit of {$200.00} and after a long time I received my card. I unlocked it and tried to use it, but I was not able to do so, because they put my account in a credit bureau fraud alert ( I have no idea why they did that ). Then I called them, tried all possible ways to use the card but without success. But after that, due to this difficult to use a simple credit card I asked them to close the account and refund my money on XX/XX/XXXX. Since then, I'm trying to talk to them by message, because I can't talk to then using the phone, but they never give me an answer about when my refund will be issued. All that I want is my money back and they never give me the information when they will do that and how this will be made.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I made a transfer from my Coinbase account to my XXXX account of XXXX. XXXX the next day confirmed the transfer but would return it to Coinbase for reasons of alteration of XXXX XXXX. They sent me proof of return but Coinbase never credited me with the money again and also does not give answers to the emails I send for customer service. It's been 3 weeks and I don't have resolution of the problem and Coinbase doesn't respond. 
Case # XXXX On my Coinbase account
Product: Mortgage

My loan servicer recently changed from XXXX to SPServicing. I understand that this happens occasionally with mortgage companies. I have been struggling with my payments since COVID started and I was under COVID protection with XXXX, which ends in 2 days. My protection runs out in 2 days. I am 1 month behind in my payments. The new company does not offer any COVID protection. The most troubling thing is that they are charging me a {$15.00} a month fee for making my payment online or over the phone. The only way to avoid the fees is to sign up for direct payments. That is not financially feasible for me at this time. It just doesn't seem legal for this company to charge more to make a payment when they are collecting interest on my payments.
Product: Mortgage

I have had a mortgage with Suntrust Bank ( now Truist ) for over ( 7 ) years. About 7 months ago, I requested that I no longer have an escrow account, as I have a credit score over 800, sufficient funds in my bank account to cover payments for my property insurance and real estate taxe bills, and don't feel as though I need someone to " manage '' my account to ensure that I keep insurance and tax payments current. 

I was told by the first customer service rep at the bank that it was no problem to eliminate the escrow account, and it should be taken care of within a week. After hearing nothing for ( 3 ) weeks, I called back in and the second rep indicated that the bank has a policy against allowing me to manage my own escrow account. I asked what the appeals process is or waiver process, and was told no appeals or waivers. 

Since the VA doesn't require the lender to have an escrow account for taxes and insurance, this to me is the financial institution making money off of the use of my money and not even an efficient use of my money. I have to pay an additional amount of money ( 1.65 % ) because they pay my property tax in two installments, where I would pay the full amount when due if I was managing my account. Their short sighted internal policy is costing me money and I want it to end. I haven't needed their " assistance '' to manage my escrow accounts from the start, just finally got around to fixing their issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the GrammLeachBliley Act, dated on XX/XX/XXXX I, XXXX XXXX, Consumer am aware that The financial institution which is in fact ( XXXX XXXX XXXX XXXX XXXX XXXX ) is in noncompliance with the GrammLeachBliley Act, which in fact fines are up to {$100000.00} ( per violation ). It is evident that XXXX  XXXX is furnishing my private information to the Credit Reporting Agencies and did not comply with The GrammLeachBliley Act and provide me with the appropriate opt out notice according to The GrammLeachBliley Act for me ( XXXX XXXX ) the consumer to " Opt Out. XXXX  XXXX is in consistent noncompliance with all my complaints and this is my last warning. Im aware that XXXX  XXXX is furnishing my account as 60 days Late in XXXX, 90 days Late in XXXX, and 120 days Late in the month of XXXX and XXXX of XXXX to the Credit Reporting Agencies when in fact there is only 31 days in XXXX and 30 days in XXXX. Thats very deceptive of XXXX XXXX. Im also aware that a Finance Charge is a sum of ALL charges According to The Truth In Lending Act. I demand XXXX  XXXX to remove EVERY and ALL Late payments from my Consumer Report. I demand XXXX  XXXX to Remove the status Charge Off from my Consumer Report because that is in fact extortion to me reporting Charge off on my consumer report. If XXXX  XXXX continues to report Charge off on my consumer report you will be in violation of collection of Collection of credit by extortion means 18 U.S. Code 894 which in fact carry 20 years of imprisonment sentence which XXXX  XXXX will get. I gave you the warning. I will take all actions necessary. Now do what is right, and stop extorting Consumers. It is not right. I refuse to allow my rights to be violated. I will make sure You be held accountable if you decide to not comply with my demands and hold XXXX XXXX accountable of your extortion your doing to me. My credit is important to me and it is my reputation, and your ruining my financial reputation reporting Charge off and I will take all legal action to protect my reputation. Do you understand me XXXX XXXX? My credit is important to me. Now correct all your errors. Best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update and dont understand why I see this negative information. I already sent few rounds of complaint about these accounts already. I believe that someone have my personal information and applied for it
Product: Debt collection

My XXXX credit report indicates that Synerprise ( a collection agency ) reports that I have a {$300.00} in collections. XXXX reports that I do not owe this Bill. My insurance provider XXXX XXXX XXXX reports that I do not owe this bill. XXXX XXXX ( original creditor ) reported that the billing was in error and that I am not liable for the bill. I have been trying to get this matter cleared up since XXXX 2015. The erroneous information reported by Synerprise to the Credit Bureau is having an adverse effect on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX XXXX XXXX has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and XXXX claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So XXXX XXXX needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Experian, XXXX, XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of XXXX XXXX from my consumer report. I have made multiple attempts to request debt validation from XXXX XXXX, specifically asking for an assignment of contract proving their ownership of the alleged debt. Despite my requests, XXXX XXXX has only provided bill statements from the original creditor, which do not satisfy the legal requirements for debt validation. 

As outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), a debt collector must provide proper verification of the debt, including documentation proving the assignment of the debt and a contract showing ownership. XXXX XXXX has failed to provide this proof. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of information in consumer reports. Since XXXX XXXX has not validated the debt as required by law, I respectfully request that all references to XXXX XXXX be removed from my credit report to maintain the accuracy and compliance of my consumer file. 

I have also filed three complaints with the Consumer Financial Protection Bureau ( CFPB ) on the following dates : XX/XX/year> XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In all three complaints, I requested the assignment of contract, but XXXX XXXX failed to provide this crucial documentation. Please see the attached copies of my CFPB complaints, as well as the responses from XXXX XXXX, which further demonstrate their failure to provide adequate validation. 

I urge you to remove this inaccurate information from my credit report immediately. Kindly notify me in writing once this correction has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Another user adequately summed up how this has impacted me ( please do not disregard as what follows is mostly copied verbatim ) : Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media -- seriously, there 's something wrong with the fact that I learned of this on XXXX XXXX and foremost ... and I keep up with breaking news on XXXX/XXXX/XXXX/XXXX constantly. Regardless, Equifax should have notified the millions of people whose information it compromised much earlier. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

I found out through experian today that Citibank closed my citi world credit card ending XXXX with a credit limit of XXXX to my citicards preferred card ending XXXX that had a credit limit of XXXX that is now XXXX. 
Either way, I lost XXXX in credit that affected my credit score and also for the length of time I had it. 
All done without my knowledge.
Product: Mortgage

This has honestly been an horrible experience for me. We got behind in our payments because of death and job loss over the last year. However, when we applied for our home modification last year they increased our payments by {$1100.00}. We asked why our payments went up the response was " if was how we filed the paperwork ''. I do n't understand ; did n't Nationstar Mortgage give us the application? Yes. So how did we mess it up? They refused to talk to me when I call and have some of the most irritating people that answer the phones. Fast forward we are now facing foreclosure. I called and asked for a reinstatement about and they could n't tell me. Then I asked for a proper home modification application and they refuse to give me the papers. They also have people coming to my door constantly asking dumb questions. For example, the last man came and asked how lived here. So I said please leave my property because this is illegal and you know it. Moreover, the rep. Told me that we have other options but he ca n't tell me what they are. WHAT!! I fell like I 'm talking to a brick wall with these people. Also I got so frustrated that a VA rep. contacted us and volunteered to call Nationstar Mortgage with us to get some answer. She got so mad at them I honestly think that she was mind blown on how they refused to answer to her. All I can say is that I am tired of the stalling tactics and illegal works. I honestly can say that they do n't care about you and your family. All they want is money and even when you do that they are still not happy. Oh and let 's not mention the fact that they never honored our XXXX VA XXXX XXXX Escrow exemption that 's given by the county clerks office. Straight crocks. I wonder if the CEO knows what his company is doing to our veterans and their families? I think that I will write home a letter!
Product: Debt collection

I was contacted about a debt I owed for visitation after insurance paid. I called XXXX XXXX, asked if the amount was still in-house or in collections ( I moved and missed the bills ), and paid the amount. Now I am receiving letters and phone calls from DataTrac collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX
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. 

XX/XX/XXXXhas violated my rights. Or list of inquiries 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: Credit card or prepaid card

I have called Barclays twice to cancel my XXXX card. Each time I brought up cancellation, the agent disconnected the call. Barclays will not cancel my card and is now reporting it past due with credit bureaus, negatively impacting my credit score.
Product: Credit card

I have XXXX credit card accounts with Capitalone, accounts ending in XXXX and XXXX, XXXX shows as restricted, not sure if closed or not. Please note, I believe this is a deposit account and need security deposit refunded if so account is in fact closed. The credit line is XXXX and I believe this is the amount of deposit left. Account ending in XXXX is past due and payment is scheduled in the amount of XXXX on XX/XX/XXXX, not sure if this account is also closed or not. If it is open, I will need a new card sent.