23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to reach this company by phone yesterday XX/XX/21. I advised them that my boss had received a collection letter which we need to dispute but that I do not need any account information, just two pieces of contact information. ( 1 ) Is there a fax number where we could send a dispute so it can be verified received faster? ( 2 ) Is there an email address for the same reason- for XXXX XXXX ( signed the letter ) or anyone else? 

They flat out refused to give me CONTACT INFORMATION for CHOICE RECOVERY. They kept telling me for privacy reasons they could not give out account information. Well, of course not, which is why I wasn't asking for account information. I asked for contact information for a debt collection agency- and they REFUSED to give it to me.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : 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 ) ( XXXX ) 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 reporting or other personal consumer reports

Hello there, A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. 
On XX/XX/2023 XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/XXXX  and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my XXXX. I immediately contacted XXXX, told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and Equifax. I lost XXXXXXXX  points on Equifax and XXXX but XXXX fixed the issue the very next day. Every time I contact XXXX  about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had XXXX XXXX shout on me and place me on endless holds. 
Today XX/XX/XXXX  they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, XXXX  and XXXX models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. 
Id really appreciate it if something can be done about this since XXXX is completely incompetent and has refused to do their job. My fico and XXXX scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team Thanks, XXXX XXXX
Product: Mortgage

Very long and drawn out story. We were in the middle of a " modification '' with WaMu when housing market collapsed and loan was given to Chase where they immediately began foreclosure, even though we had been following all the rules of the modification. We then filed bankruptcy to save our home and for 2 1/2 years, we paid Chase back through the bankruptcy. At the 2 1/2 year mark, I spoke to a VP at Chase Mortgage and he set a team on my mortgage and did a permanent modification for me and I was able to remove the mortgage from the bankruptcy. Since that time, I have NOT been delinquent although they still do not report to the credit agencies. My problem is that my Principle Balance is XXXX LESS than my payoff. Principle is XXXX and the Unpaid Principle Balance is XXXX. I realize that some may be back interest from the entire debacle but I also have a feeling that they are gouging me with so many " corporation '' fees and charges. We ca n't get out from under this mortgage. Our mortgage is almost XXXX a month with no END in sight with an almost 6 % interest rate. I have tried with Chase to refinance for the lower interest rate and was turned down. I have called them multiple times asking for a breakdown of transactions on my account and although they sent me a " history '' there is no description. On XXXX XXXX, 2012 there was a XXXX adjustment to my account with ABSOLUTELY no description. On XXXX XXXX, 2012 there was a XXXX adjustment but it gave a description of XXXX XXXX XXXX ( which I fully understand ). I just need to make sure that I do n't have XXXX dollars of FEES AND CHARGES from Chase. We are a middle class family of XXXX living paycheck to paycheck and want to move to a less expensive home and lower mortgage but because of this " pay off '' we are stuck. The only option we have is to give it back to the bank and I DO N'T want to do that ... we have been working so hard on getting our finances back on track and want to be home owners again. I would really appreciate if someone could help us. I 'm not sure what other options we have.
Product: Bank account or service

In XXXX 2016, Citibank was offering a promotion of " XXXX XXXX XXXX points after opening a Citigold checking account and making XXXX or more bill payments in two consecutive months. Expires XXXX XXXX, 2016 '' under a promo code XXXX. At the time of the account opening, I 've reached out to Citibank online chat to verify the terms of the promotion and opened the Citigold checking account online. Once I 've received the debit card around XXXX XXXX, I 've called Citigold customer service and once again verified the terms of the promotion, which was as stated above and Citi representative has confirmed that I will receive XXXX points upon meeting the requirements. I 've also opened Citi XXXX credit card with an annual free and Citi IRA. After completing all the terms and conditions, I 've reached out to Citi customer service who is now refusing to honor the promotion after it has been confirmed and reconfirmed by Citi representatives. I 've attempted to get this matter resolve under case # XXXX & XXXX, however, I 've received a rejection.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX -Balance XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$380.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$910.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$2400.00} -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX Account XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Balance XXXX XXXXXXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Balance XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$1700.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$870.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$1000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$4200.00} -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -Balance {$360.00} XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$350.00} -Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$140.00} XXXX XXXX Account Name XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$1400.00} -Date Opened XX/XX/XXXX Unauthorized Inquiries XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2024, I fell victim to a multilayered scam operation orchestrated by XXXX, using the domain XXXX which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).
Product: Credit reporting

Could not obtain free credit report from Experian using the annualcreditreport.com site because when Experian 's turn came their web site reported some error and gave a postal address to use to request a report. I visited Experian 's site ( to find a way to complain ) and saw an offer for my report and my credit score for {$1.00}, and agreed to the {$1.00} cost, rather than go into the hassle of ordering a report by postal mail. They charged my card {$1.00} on XX/XX/2016 and I received a score and was able to download my credit report. On XX/XX/2016 my card was charged {$21.00}. I immediately called Experian to request a refund. They informed me I had signed up for a recurring charge and no refund would be given. I insisted and asked to speak to the representative 's supervisor. After a brief wait another person came on the line and said no refund be given. I told her I would look for a way to report this and considered it a fraud and a scam, and that I never knowingly signed up for any recurring charge. She basically said " go ahead ''. She insisted the site showed a notice that I would be signing up but I insisted that web servers sometimes have errors or have pages in the process of being modified and that I did not get any such notice. She again refused any refund. Of course I cancelled the recurring charge but it just was not worth the life stress that would be caused by pursuing the {$21.00} already charged ( not knowing I could report it here ). Also I actually fear these credit reporting companies, which hold so much power over our credit, and I did not want to take the risk that someone at Experian might retaliate in some way. But today I saw a news report that seemed to indicate others had this same problem and the company had agreed to refund customers charged in the scam. I would like to add my claim to the list to be refunded.
Product: Credit reporting or other personal consumer reports

I have an unauthorized account and inquiry on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to add the freezes to XXXX, Equifax, and XXXX   and get my free credit report and they wont give it to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against : XXXX XXXX XXXX, XXXX, Equifax and XXXX  I purchase a vehicle in XXXX that was was voluntarily repossessed by XXXX XXXX XXXX in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. 

My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} ( {$8400.00} ). This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ).

The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C.

THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.
Product: Debt collection

Re : GC Services Limited Partnership ( XXXX, XXXX ) I received a letter about assistance with debt repayment and called to inquire. I was traded from one person to another taking a significant amount of time so I ultimately ended the call. I personally had no additional interaction with GC Services after the above call. 

XX/XX/XXXX my Uncle who lives in XXXX called me saying that he had received multiple voice messages from GC Services ( XXXX XXXX? ) leaving his phone number and saying that he needed to get in touch with me. 

Upon calling GC Services, I learned that it is a debt collector calling about a credit card outstanding balance. When I questioned their tactic of contacting and leaving messages with my uncle for me to call them I was met with indifference and basically contempt for the fact that I would even question their methods. 

Thereafter, I was pressed by the GC Services representative to get into a settlement or be left paying the entire balance. 

My concerns : ( 1 ) The sneaky and questionable tactics they used to reach me ( leaving messages with my uncle w/o disclosing why they wanted me to call them ). 
( 2 ) My uncle is no where included as a co-guarantor or contact on the card, so obliviously GC Service searched for any random family member sharing the same last name as a method for getting me to call them. 
( 3 ) Leaving messages on my Uncle 's voice machines saying for me to call them. 
( 4 ) How many other family members did they randomly call? 
( 5 ) I have to assume that it would be obvious to my Uncle ( or any person to get such a message ) why someone like GC Services would be calling and leaving messages like this. By extension, in trying to get me to call them, they were in effect violating my own personal privacy. 
( 6 ) The indifference shown by the representative when I raised the issue of the tactics used to get me to call them. 
( 7 ) The pressure excerpted on the call to get me to agree to a settlement or else face paying the total amount. 

This is the first time that I have had to deal with debt collectors and it is due to the loss of a family member and being out of work. 

What I experienced with GC Services was exactly what I think of when I image the stereotype of a " Debt Collector. '' Questionable border-line unethical tactics and pressure to conduct their business. 

Thank you for reviewing my compliant. GC Services should be monitored moving forward for the manner in which they conduct their business.
Product: Credit card or prepaid card

I thought I closed a Citi Card account months ago.  Now they are telling me I owe them $XXXX and they will report me to a collection agency if I do not pay.  If that account has a $XXXX charge THEY PUT IT THERE.   I haven't used the card, I shredded it after I thought I cancelled it.    I have tried to contact them both by phone and online  and all I get is another sales pitch.   How can I get rid of them?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear Sir/Madam, I am writing to bring to your attention a serious issue regarding the reporting of a third-party collector, XXXX XXXX XXXX, on my credit report. Upon reviewing my credit report, I discovered that Experian has listed this collector without my authorization or any evidence of my involvement in business with them. I am formally requesting that you cease reporting this inaccurate information immediately and take the necessary steps to rectify this violation of my rights as a consumer. 

First and foremost, I must emphasize that I have never signed any contract with XXXX XXXX XXXX, nor have I given any authorization for Experian to report their activities on my credit report. This constitutes a clear violation of the Privacy Act of 1974, which safeguards individuals from unauthorized disclosure of personal information. Additionally, I have not received any opt-out notices regarding this reporting, which further compounds the violation of my rights under 15 USC 6802 THROUGH 6805. 

Furthermore, the provision of my information to a non-affiliate third-party company without my consent is a direct violation of 5 USC 552A , 45 CFR 155.260, 15 CFR 325.16, and 21 U.S.C. 371. These regulations exist to protect consumers like myself from unwarranted dissemination of personal data. 

Moreover, Experians reporting of XXXX XXXX XXXX ' activities on my credit report also violates the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692, which govern debt collections and ensure accuracy in credit reporting, respectively. This inaccurate reporting directly contradicts the requirements outlined in 15 USC 1681B. 

As a federally protected consumer, I hereby exercise my right to opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, per 16 USC 6802 THROUGH 6805. I demand immediate and indefinite cessation of any reporting related to XXXX XXXX XXXX on my credit report. 

Furthermore, I assert that Experian 's actions have caused significant harm to my reputation and financial well-being. This inaccurate reporting constitutes defamation and has resulted in damages to my creditworthiness. Therefore, I demand compensation of {$1000.00} per violation for every month that Experian has reported this incorrect information. 

In light of the foregoing, I request that Experian : 1. Cease reporting XXXX XXXX XXXX on my credit report immediately. 
2. Take the necessary steps to rectify the inaccurate information reported. 
3. Provide written confirmation of the removal of XXXX XXXX XXXX from my credit report. 
4. Pay fines due, totaling {$1000.00} per violation for every month the inaccurate information has been reported. 

These actions should be taken promptly to avoid further escalation of this matter. Failure to comply with these demands will result in further legal action. 

Please address all correspondence related to this matter to the undersigned. Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Revocable Living Trust
Product: Checking or savings account

I closed my checking account on XX/XX/XXXX with a balance of {$530.00}. A check was suppose to be issued to my address. After a month 's time nothing arrived. I called telephone banking at XXXX on XX/XX/XXXX where the agent said another check would be issued. Nothing arrived again. 

On XX/XX/XXXX I visited the branch at XXXX XXXX, New York and spoke to a banker who reach out to branch support for help. I believe Branch support 's agent name was XXXX. He said they were unable to help and connected us to telephone banking. After one hour on the phone with telephone banking they were unable to locate the two checks that were sent out and asked us to check with branch support again. The telephone banker 's name was XXXX XXXX ( XXXX ). He checked with a supervisor who was unable to help or offer a resolution. 

Nobody at Chase is able to resolve this situation. I've sent a total of 3 hours trying to resolve it on my end. They are holding my money with no clear path on how to get it back. I'm hoping CFPB can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report is incorrect. My federal student loan debt is misrepresented on my credit report with Experian. My loans have been transferred from DEPT OF ED/XXXX to XXXX for servicing in XXXX of XXXX. Both the DEPT OF ED/XXXX former servicer balances are showing as : DEPT OF EDXXXX {$6200.00} correct balance is {$0.00} DEPT OF EDXXXX {$11000.00} correct balance is {$0.00} DEPT OF EDXXXX {$11000.00} correct balance is {$0.00} DEPT OF EDXXXX {$6600.00} correct balance is {$0.00} Also shown was XXXX balances were represented as well : XXXX {$6200.00} XXXX {$11000.00} XXXX {$11000.00} XXXX {$6600.00} This doubled the amount of student loan debt on my credit report. My attempts to correct this fact began in XX/XX/2022 with Dispute Report # XXXX. Experian reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. 
Another dispute was filed by phone and on the website following the procedure required by Experian, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed. XXXX reported that my account is open, balances of {$6200.00}, {$11000.00}, {$11000.00} and {$6600.00} are correct. Following these calls I sent documentation to Experian to via digital upload to support my claims. The result of the supposed investigation on the same day ( XX/XX/2022 ) was that Experian closed my XXXX accounts that should have remained open because that is the current loan servicer and left the DEPT OF EDXXXX accounts thus dropping my credit score XXXX points.
Product: Credit reporting

I have disputed the same XXXX ( XXXX ) derogatory entries with Equifax XXXX times and I have only received resolution to XXXX of the XXXX disputes. While taking 9 months of submitting the same proof over and over, ( which obviously was correct since Equifax finally removed XXXX of them ), I still have XXXX inaccuracy outstanding. Second, Equifax has breached my privacy by providing my statement and credit information to someone who is a complete stranger to me. Equifax has sent my credit report information to an address that I have never had on file nor lived at in my entire life. They have also attempted to bamboozle me and dupe the public by providing me and other innocent consumers an address for their corporate office for filing a dispute that is not accurate. I have pictures to prove they are handing out a wrong credit dispute address for their XXXX and to prove that they have mailed my personal information to someone else 's address and not any of my last XXXX addresses.
Product: Debt collection

I have been fighting with a collection company called XXXX XXXX XXXX that is apparently a collection agency for XXXX University, I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX and they were horrible, and even sent certified confidential transcripts with my social security number on them to a person with the same name in Louisiana. I have disputed the mark on my credit, I have sent them letters so this is the next place to go. Do not ever go to School at XXXX University.