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

XXXX XXXX and Equifax report it on my credit report that this account is still at 94 % debt to income ratio balance owed in the amount of {$490.00}. I have contacted them letting him know that this account was paid in full they took XXXX points. Drop my credit score.. XXXX XXXX and Equifax lowered my credit score for the second time with this XXXX XXXX  credit card. I dispute this with them twice and they rise my score. Someone in companys office is making this mistake and I kept getting penalizing for their errors.
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/XXXX, I fell victim to a multilayered programming operation orchestrated by XXXXt ( the Fraudsters or the Company ). When redirecting to fake mining pools, application should aware client that he leaves app. I supposed that every activity is inside COINBASE WALLET sphere. I never got a message, alert, or notification about hazards. I demand to reverse back my lost funds - XXXX USD. 
I advised Coinbase of this fact on XX/XX/XXXX and I didnt receive any response so far.
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, has violated my rights. 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: Mortgage

I requested an electronic pay off statement from S.N. Servicing Company and S.N Servicing Company has not sent the pay-off statement. The attached let claims that they mailed the pay-off statement and I still have not received the electronic pay-off statement I requested. My original request was for an electronic pay-off statement to be included in their response because I would like everyone to know about what SN Servicing Company has sent me in the past. How am I going to sell my house if I don't get a pay off statement. I am requesting an electronic pay-off statement for XX/XX/2021 so I can try and get what is needed together to sell the house. I have attached the letter that they sent me.
Product: Debt collection

My family and I moved from an apartment complex owned by XXXX XXXX XXXX, XXXX, NC, in XX/XX/XXXX. A charge of {$500.00} and {$130.00} was applied to our credit report by the leasing agency, Lease Term Solutions of NC. The charge was regarding treatments of a pest infestation that initially occurred before moving into the apartment a year earlier, in XX/XX/XXXX. XXXX XXXX Properties homeowners insurance should have been applied to correct this problem, but instead, we ( the tenant ) were billed, and eventually, the item was placed on our credit report. On XX/XX/XXXX, we made a visit in person to the XXXX XXXX apartment complex office to rectify the issue. The attending agent informed us that several leasing agencies held the leasing contract over the last several years. After searching diligently through the current and historical data, the representative could not locate the charges in any of the files. She didnt even know which collection agency that was trying to collect these charges. We went to our collection report and filed a dispute. The result came back as this is a valid and accurate collection account from IQ Data International. Today, XX/XX/XXXX, I called IQ Data requesting the incorrect data be removed, and they promptly refused. We are contacting your agency to help us get these two items removed from our credit report.
Product: Credit reporting or other personal consumer reports

I received a letter from my student loan servicer on XX/XX/2023 stating that my student loan had been forgiven by the Department of Education. I was told that this change would be reported to all 3 credit agencies and that I should see the change on my credit reports in a month. After six weeks, only XXXX reflected the change, so I filed a dispute requests with both XXXX and Equifax in XXXX, providing the letter which very clearly states that my loan has been forgiven. Both companies responded in only a few days, each with dense, impenetrable multipage reports that essentially told me I was wrong!
Product: Checking or savings account

On XX/XX/XXXX I was notified by the police that I had fraud commited on my checking account. I was on vacation and two people broke into my car and stole my checks from the glove compartment. The police arrested 2 individuals and found my checks in there car. USBank cashed the check the women forged at a local branch in Minnesota and was given the cash. The amount was {$870.00} and the teller obviously didn't catch the forgery. Both have been arrested on fraud and forgery at this time and I have provided the bank in question ( USBank ) over three weeks ago. As of today I was told that they have a process for handling this type of fraud, however thay have not started researching yet because " they are busy ''. The bank did tell me that they have received all documents I provided to them which included police report, fruad paperwork, copy of check, and letter from the XXXX County Courts.I was not given a time frame of when they will return my money or when they will start working on resolving my account. I have enclosed all supporting documents.
Product: Debt collection

Apex Resolution Group XXXX XXXX XXXX XXXX continues to harass me and even threatened court proceedings. The calls continue after I have informed them of their misconduct. They have purchased a worthless debt from another company who bought it from another company etc ... .etc. They have threatened to " TELL MY MOM ON ME '' ( she is deceased ). This company has repeated my social security number over and over in an effort to cause tension over the phone. They also verbalized a list of names of former women with whom I have had relationships. They accused me of defaulting on loans that were completely paid off by me. I am a XXXX XXXX XXXX XXXX man and this company should be held accountable for their inappropriate and unprofessional practices. This debt for which they are calling was settled approx. 5 years ago with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. The settlement amount was for {$1200.00}.
Product: Credit card or prepaid card

On or around XX/XX/XXXX, I was approved for the American Express Gold Card. I used a referral link that would give me XXXX bonus American Express points for meeting a minimum spending requirement of {$3000.00}. I had a tax bill to pay, so I quickly met that payment. 

I met this minimum spending requirement on XX/XX/XXXX. See attached. 
The bonus points were not deposited to my account. 

I called American Express twice over this. On XX/XX/XXXX, I spoke to a customer service representative who said my points were on their way, and they were just waiting for my XX/XX/XXXX statement to close to see if I returned anything, and if so if I had met the minimum requirement. ( AMEX stated to me on the phone today on XX/XX/XXXX that they have this call recorded and would review ). I was promised that I qualified for the bonus and it was on its way. 

I called AMEX again on XX/XX/XXXX, and found out that I am, in fact, NOT eligible despite signing up for the card, being approved, and using the card to meet all of the requirements to meet the minimum spend. In fact, I was made aware that AMEX in fact, told me over the phone that I was not eligible, and I spoke to a supervisor about this. I can not emphasize enough that this is completely fabricated and made up. 
I never spoke to a supervisor regarding this and was never told I did not meet the eligibility for the signup bonus. AMEX is blatantly lying and committing " bait and switch '' and consumer fraud by denying me the bonus I have earned. 

This XX/XX/XXXX is in fact the first time that I was made aware that I did not qualify for the bonus. I was never informed when I signed up and was approved, and through the 4 months using the card. This is blatant consumer fraud and a textbook definition of bait and switch. 

Please contact AMEX, have them turn over all recorded phone call conversations with me and have them give the signup bonus I have rightfully earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX on XX/XX/2022 that a credit card had been opened in my name at XXXX XXXX XXXX. I have never purchased anything from them either online or in the store. I called the company to see what was going on. I asked her to close the account and told her it was fraudulent. She said it " seemed like a fraudulent purchase '' but She also told me that I was responsible for the payments or it will ruin my credit!! I disputed the charges on that day. XXXX and XXXX would not tell me where these goods were shipped. She told me the purchase was made online and the credit card was opened online. A week later I received a store credit card from XXXX and XXXX in the mail at my house! That means this fraud person knows my home address!! Also on XX/XX/2022 I called Equifax & spoke to XXXX and XXXX and explained the situation, they said they would dispute the charges. I also put a total credit hold on ALL my credit. Now fast forward a few weeks and XXXX XXXX XXXX is now claiming that these charges are MY RESPONSIBILITY and refusing to drop the charge. Equifax agreed with them and said I am responsible for this $ XXXX credit card! This is questionable business practices. I asked to know HOW they came up with this conclusion, and they could not even tell me. Also I filed a police report with my local police and I can provide the police report upon request.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Manufactures & Traders Trust Company absorbed XXXX XXXX XXXX XXXX  which was my bank for 20 years. I receive many messages that the changeover to M & T Bank would be a smooth an easy transition. When the change actually occurred, I was locked out of my account. I tried calling the bank many times and the wait was over XXXX hours on the phone. I went to a local branch, where an employee tried to help me by sending me a temporary password, so that I could try signing in. What I finally found out after several visits to the bank is that M & T did not probably prepare for customers to have a special character in the online usernames, even though XXXX XXXX  required that. I was told that it take several days to a week for them to resolve this issue. What eventually occurred is that I was locked out of my account from XX/XX/XXXX to XX/XX/XXXX. What I finally learned after another phone call is that M & T Bank changed my username without telling or notifying me. If I knew this, I could have had access to my account. I feel that the way that they handled this merger and change over from XXXX XXXX  was extremely unprofessional and lacked the service and care that was needed at this crucial time. How a large bank can take over another bank and not know that many customers would have special characters in their usernames is extremely shocking to me.
Product: Credit card or prepaid card

I have been a customer of Capital One since 2014, and Capital One has repeatedly raised my credit line without being able to back opt out. Each time Capital One would send a notice, they'd say " your account is up for review for a credit line increase '', then they'd raise the credit line. Since 2014, I never made one late payment. So, I thought - well, if Capital One is going to raise my credit line from account reviews, then they should be able to review for an APR reduction. This request to lower my APR has been done each time the credit line increases, and each time Capital One replied " your account isn't currently under review at this time for a lower APR. '' I couldn't understand why. I placed a complaint with the XXXX, and Capital One repeatedly lied about reviewing my account, then lowered my APR from 24 % to 22 %, an absolute slap in the face. 

I wonder how can Capital One get away with raising credit lines based on periodic account reviews, without the customer having the option to decline it? Then they turn around and state that they aren't reviewing my account for APR reductions. 

Capital One is getting away with theft, to their very own customers. How is this legal?
Product: Checking or savings account

Opened new CitiBank checking account on XX/XX/XXXX and funded $ XXXX using my external acount at XXXX. About a month later, Citi closed my checking account due to pending verification and transferred the funds ( $ XXXX ) back to my external account on XX/XX/XXXX. However, the external account was closed by then ( XX/XX/XXXX ). The funds were returned to CitiBank as the account was closed.Citi is unable to trace the transaction and I am still waiting/have not received the funds yet.Citi keeps saying that they have sent the funds to the external account and that they dont have the funds. The citi case # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2016  {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian You Guys were so Busy Typing in the completed investigation on the account I see you changed the Balance updated to XX/XX/2019 But you Forgot to change the Status update If you Guys are Going to change this information Make sure you do it right Because the law say You have to do a proper investigation and Look at the status update that's a true Sign you did not conduct a investigation because you were Too Busy typing in consumer dispute message lol You people are a joke CFPB DO YOU SEE WHAT I'm TALKING ABOUT THEIR WAS NO INVESTIGATION! AND THEY HAVE STARTED ADDED IN THERE DISPUTE NOTE THEMSELVE ... MMMMM INPRESSED IF YOU GUYS GOING TO CHANGE THESE ON YOUR OWN TRY NOT TO GET CAUGHT AND DO IT THE RIGHT WAY HAHA FUNNY AS XXXX XXXX XXXX CAN YOU EXPLAIN TO ME AND CFPB AS TO HOW THIS HAPPENED THE ACCOUNT STATUS SHOULD HAVE CHANGED UNTIL XX/XX/2019 ITS STILL SHOWING LAST MONTH ARE YOU ABLE TO SEND ME A CFPB OF THE CODES AND THE DATES THAT XXXX WAS USED TO TRANSMITT TO XXXX AND WHAT CODE AND DATE AND TIME XXXX SENT IT BACK TO YOU FOR PROOF BECAUSE THIS US UNREAL AS YOU ARE BREAKING THE LAW. 
CFPB I'M ASKING YOU TO LOOK INTO BECAUSE THIS IS NOT THE 1ST TIME I HAVE SEEN THIS ITS CLEAR AS DAY THEY ARE NOT CONDUCTING A FAIR AND PROPER INVESTIGATION EXPERIAN IF YOU ARE TRUTHFUL ABOUT THIS SEND ME THE PROOF AND CODES THAT YOU SENT VIA XXXX XXXX IF  YOU CANT I ASKED THAT YOU REMOVE THIS ACCOUNT ASAP. THE TRUTH WILL SET YOU FREE AND THE ONLY THING WILL PROVE THIS IS THE XXXX XXXX  TIME AND DATE AND I WILL BE WAITING ON YA!
Product: Debt collection

AFNI, INC has violated 15 usc 1681s-2 as well as 15 usc 1692g by failing to validate the alleged debt they are falsely reporting to credit reporting agencies. I am a natural person, consumer and of sound mind to know and act in good faith. I authorize AFNI, INC to remove this inaccuracy.
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. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have always followed PayPal 's policies and have not engaged in any unauthorized activities. 

Maintaining a positive and trusted relationship with PayPal is of utmost importance to me as a long-standing user. I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive review of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to resume using PayPal for secure and efficient financial transactions, as I have always done. 

Thank you for your attention to this matter. I kindly request that you initiate the review process promptly. Should you require any specific documents or details from my end to facilitate this process, please do not hesitate to inform me. 

I appreciate your consideration and look forward to a swift resolution and the opportunity to resume using PayPal 's services.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account was never authorized to report on my credit : Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. 
I want the disputed accounts to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. Convergent account # has violated my rights.

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 an account without my written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 company ( Portfolio Recovery Associates ) contacted me about an old credit card account that they had purchased ( XXXX XXXX ). I wrote them back stating that I would conditionally agree to pay the settlement amount if they responded on their own letterhead that they would delete the account from my credit reports if I made the payment. They complied and so did I. Now they have subtract the paid amount from the balance and are claiming that I still owe them money. I sent copies of the agreement, the money order receipt, and the certified mail receipt to both the company and the credit bureaus to verify and delete said account. The company ignored my request and the credit bureaus claim they verified I owed this debt despite our written agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX may not disclose nonpublic personal information to a nonaffiliated third parties. XXXX has provided Transunion, XXXX, and XXXX with information without providing me the consumer with disclosure in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title. XXXX has not given me the consumer time that such information is initially disclosed, to direct that such information is not disclosed to such a third party. XXXX has also failed to give me the consumer an explanation on how I can exercise that nondisclosure option.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for, and received a secured credit account backed against {$200.00} of my funds, deposited with Citi for a one year period. I have maintained a 100 % on-time payment record in the 1 year and 6 months since. I have repeatedly inquired as to my maturity date on this card, in order to recover my deposit. In every interaction, I was told XX/XX/XXXX. Upon contacting Citi on XX/XX/XXXX, I was told that I had matured and that my payment would arrive electronically back to the account the deposit had come from on XX/XX/XXXX. Today, XX/XX/XXXX I called to ask where my deposit was, and was told that my maturity had been extended another full year to XX/XX/XXXX. Citi is baselessly holding my deposit without cause and artificially declaring its right to hold onto my money against its communications and assurances, and I expect that deposit returned per the original terms, and every communication since opening.