23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Behind on my Sear 's account through Citi Credit Card, that is when the constant calls started, four to six times a day, every day over and over. It is not productive nor is there any good that comes out of constant calling .Calls continue even when you make payments or have made arrangements. 
Last night they called at XXXX, twice at XXXX, XXXX and XXXX, not including the daytime calls. 
I was told if you did not pick up their calls and speak to someone they will continue to call but if I pick up their call then they would not call for three days. I asked why three days, their response was that my financial status could change. I explained to them that there is no way my financial situation will change in three days or anytime soon, I get paid every two weeks not every three days so calling me that often is not productive and it was very irritating and frustrating. 
Phone calls are every day up to six calls a day if not more.
Product: Mortgage

On XX/XX/XXXX I submitted a complete loan application with the 6 required data elements that would require initial disclosures to be provided within 3 business days to Chase Bank. On XX/XX/XXXX, I provided all required financials and documents that the loan officer initially requested. This took 3-4 hours to gather the required information and complete the application. 

I did not receive the required disclosures within the required time frame, and finally on XX/XX/XXXX I followed up with the Loan Officer. I did provide the CFPB link to him indicating the regulatory requirements for disclosing. He responded letting me know that I would receive them the next day and did not acknowledge the violation. On XX/XX/XXXX, I still had not received the required initial disclosures. At that point I contacted him and let him know I would like to cancel my request. If there are NO controls operationally to ensure that disclosures are provided within required time, why would I want to continue working with them. Spending everyday asking for updates to my loan is not something that I ( or anyone ) has time for. I work in the XXXX XXXX XXXX XXXX XXXX XXXX, and understand how system controls should be in place around timelines to ensure they are met. I have serious concerns that this is a pattern for Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my Transunion report a few times and have not received a copy. I tried to view my credit report online however I have been unable to access it through Transunions unions website, and Annual Credit Report website. When trying I get an alert indicating that I would have to call in to request a copy of my credit report. I have called in 8 times within the past 7 months and requested a report be mailed to me however I still have not received my report from both credit bureaus. During this, both credit bureaus have reported fraudulent information on my report which I am alerted to through my credit monitoring service but still am unable to view the actual report. I have not received any communication from XXXX despite requesting my report with them via phone and Annual Credit Report, I was also a victim of the XXXX data breach and still don't have access to view the information on my report
Product: Debt collection

To whom it may concern, Please be advised that this complaint is specific to my consumer rights and protections and specific to the {$350.00} posted on my credit report as a collection. 

The law states, when a debt collector contacts you about a debt, they are LEGALLY REQUIRED to provide information about that debt, including the name of the creditor, the amount owed, and MY RIGHT TO DISPUTE. Unfortunately, this legal requirement did not happen prior to placing this debt on my credit report, wheras I was never contacted. 

The attached response letter from Transworld Systems INC ( TSI ) serves as proof that TSI, violated my consumer rights when they failed to provide me the legally 30 days requirement to dispute the debt owed or pay the debt prior to placing this debt in collection on XXXX ( see screen shot of credit report specific to this debt ). 

On XXXX I submitted a complaint regarding this debt that was placed on my credit report as a collection. On XX/XX/, TSI responded to my complaint ( see attached ) ; the reponse states " On XXXX  TSI electronically mailed an initial Demand Letter to the email address we have on our systems '' ( TSI failed to attach proof that they emailed me a demand letter or the email adress ). 

However, my credit report reflects that the debt was posted on my credit report on XX/XX/ prior to the demand letter notifying me of the debt and giving me the opportunity to cure the debt or dispute it. Therefore, I am requesting this company remove this debt from my credit report or be prosecuted by CFPB Enforcement Actions.
Product: Money transfer, virtual currency, or money service

On XXXX someone gained access to my phone and sent {$1000.00} to another person I have never known without my knowledge or authorization using my Paypal account. Paypal put my account in negative balance and is pursuing me instead of the thiefs
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently being reported on my credit file. Pursuant to 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in the information provided in consumer reports. 

The specific account I am disputing is as follows : Account Name : XXXX Account Number : XXXX Account Type : Unsecured Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$3800.00} written off. {$1100.00} past due as of XX/XX/XXXX. 

Status Updated : XX/XX/XXXX Balance : {$1100.00} Balance Updated : XX/XX/XXXX Recent Payment : {$2500.00} as of XX/XX/XXXX Original Balance : {$3500.00} Terms : XXXX Months On Record Until : XX/XX/XXXX Additionally, the payment history for this account contains inaccurate reporting : XXXX Payment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe the information being reported is either incomplete or inaccurate. I am requesting a reinvestigation of this account, and I ask that you verify the accuracy of this data with the original creditor, XXXX. Please provide me with the details of your investigation and correct or remove any erroneous information as required by law. 

In accordance with 15 USC 1681i, I kindly ask that this issue be resolved within 30 days of receipt of this letter, and that I be provided with a written confirmation of the actions taken. Please also send me a free copy of my updated credit report. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of this dispute and the appropriate corrections made to my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent {$400.00} through ZELLE. ( My financial institution is XXXX XXXX ). It was a scam with zelle recipient XXXX. name is XXXX XXXX. It was a down payment for a XXXX XXXX. I drove 3 1/2 hours to pick up the puppy & the house is vacant and no puppy! I notified XXXX  XXXX & they sent a letter to me that there's nothing they can do? XXXX XXXX did say they let Zelle know about this scam, but with everyone trusting Zelle ( I thought, ) because it's backed by our bank. The verbiage is not clear! I don't feel this is fair for anyone that works hard for every dollar & a law abiding citizen to trust a Zelle and XXXX XXXX together site to just let this happen and let the criminals get off like this & all I get is " we can't do anything. '' This is crazy! I really need my money returned. I need your help, please pass this to Zelle & XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit card

Synchrony Financial is the holder of Lowe 's consumer credit card. I paid my Lowe 's credit card bill of {$90.00} at Lowe 's store XXXX XXXX. The bill was not due till XX/XX/XXXX. Synchrony lost the payment. I got emails that I missed a payment, and I paid the amounts they said that I owe. Which amounted to over payment that I later got back. I filed a missing payment form with a copy of the check. They charged {$30.00} late fee and {$4.00} interest. They returned the late fee after holding it for80 days. They returned interest of only {$1.00} and they returned {$90.00} which they held for 78 days. They do not follow their own guidelines on the amount of time and procedures for investigating Lowe 's Executive Customer Relations Rep XXXX XXXX has contacted them about this. My money is just as valuable to me as their money is to them.
Product: Credit reporting or other personal consumer reports

*** As Stated on my FTC - Identity Theft Report **** List of Fraudulent Inquiries on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Spoke with Bull City and a rep by the name of XXXX on XX/XX/2020. Disclosed to her I could only pay one account at a time. I asked her when I paid the {$180.00} of the {$370.00} ( it is 2 accounts for {$180.00} a piece ) if it would be removed from my credit file was told yes. When I called was told not the case and I needed to pay the entire balance or it would not be removed. I did not get the paperwork from them only notice I got was when it hit my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency has been notified multiple times that these accounts should be removed from my credit report. These accounts are fraudulent and erroneous. I have been denied CREDIT, HOUSING and EMPLOYMRNT due to this erroneous information. 

US DEPARTMENT OF EDXXXX XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX cc : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing these fraudulent and inaccurate accounts. In my previous dispute, I also included an FTC attachment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting " LOAN MODIFIED '' on my XXXX Credit Report, Transunion and XXXX which is not accurate. This is having a negative impact on my ability to apply for a credit card. I have included a screenshot of the tradeline, my most recent statement from XXXX XXXX, a complete copy of my credit report, and a copy of the decline letter from a separate creditor.
Product: Mortgage

sls is the lender on my home on the 2nd deed. they have not responded to any of my inquiries as to why they are taking my overpayments and applying them to interest in the following month and not reducing it to my principal.
Product: Money transfer, virtual currency, or money service

I have been using Binance US for cryptocurrency trading and investing since its inception. It is regarded as the largest worldwide trading platform. I have been trying to withdraw about {$600.00} or so for 2 weeks now to the same account that deposited the funds. The transaction has been Pending and Binance US nor XXXX XXXX XXXX which handles the USD transactions will respond. I will be needing to withdraw $ XXXX plus here in a few weeks to pay taxes and am afraid the funds will be locked as well. 

I have seen hundreds of people posting about months of no responses which is just plain unacceptable. It defeats the purpose of cryptocurrency. I urge all customers to think twice before falling into this scam. I mean how can they get away with this being so large and having so many big name people joining the firm. SCAM
Product: Credit reporting

This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XX/XX/XXXX and the house sale date was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 4 months and I still haven't received any results in the mail and these unverified account still show on my credit report.
Product: Bank account or service

Since I got my permanent resident status, I am banking with BBVA Compass. My relation with the bank is under two years. 

Recently closed my office and immediately asked BBVA to stop payment monthly rent, to the owner of property, I made a stop payment request on XXXX/XXXX/2016, and again on XXXX/XXXX/2016. 

Due to some password issue, I visited bank branch on XXXX/XXXX/2016 and enquire about balance, which was in positive. If on XXXX/XXXX/2016 branch manager showed me positive balance. 

BBVA on backdate made payment of rent, ignoring my online request for stop payment and charge certain amount as overdraft protection. 

Since there was positive balance so I made deposits on my XXXX credit cards, resulting bank made payment and exercise overdraft protection twice as XXXX transfers. 

Now BBVA instead admitting the mistake of over sight of stop payment request, pull more money and negative balance increase. 

I want to close my XXXX accounts of BBVA and wanted them to adjusted unnecessary pulled out money and refund wrongly made payment of rent. 

They blocked my online account access. 

There is no customer service telephone is answered, only getting the message " ALL AGENTS ARE BUSY '' and phone hang-up. 

Wanted to file complainant through corporate website, but getting this message " We 're sorry, the page you requested was n't found '' When visited online chat services I am getting this message " your request has been forwarded and you will be assisted in a few moments ''. Moments they mean over one and half hours. 

CFPB is humbly requested to intervene and help me to close my account and asked BBVA to issue clearnce letter once matter is resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter on XXXX/XXXX/2022 to Experian, XXXX and XXXX to remove personal information that I do not want on my credit report. According to the Fair credit reporting Act 15 USC 1681.I have the right to privacy, Also according to 15 USC 6802 , No financial institution is supose to share my information to third party people.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVE
RIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

If I already paid, they should delete it from my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card does not belong to me please delete from my credit report XXXX XXXX XXXX XXXX  I was never late please remove from my credit report. Always paid on time
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing XXXX XXXX I am going to sue XXXX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED
Product: Checking or savings account

I deposited my paycheck online to find account. I was told I would then have a virtual card, but this was not the case. 

I'm an effort to access funds needs for essentials, I attempted to move funds using XXXX. 

When I did this my account initially was frozen and after a heated phone call, I was hung up on and my account was locked. I believe this was a punitive action by associate upset by my call. 

They were given information needed, but called and would not provide adequate information for my company payroll department to verify which escalated further in ally fraud department. 

They have indicated that even if check clears, I will not have any access to funds until they have " evaluated '' and verified my account. 

I have provided them with all information they have requested. There has been no indication when nor how a decision will be rendered.
Product: Checking or savings account

XX/XX/XXXX deposited money in account they closed account on the XXXX u s bank
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from XXXX XXXX Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the XXXX XXXX Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 
On XX/XX/XXXXXXXX  I called both Transunion and XXXX to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.
Product: Debt collection

I have had to deal with these people before. I don't know why they keep saying this debt is mine. I have not been in any hospitals since 2009. So this is not my debt.
Product: Credit reporting or other personal consumer reports

Violation of the Privacy Act of 1974 Unauthorize use of my report as consent was never given. 
Please see attached.
Product: Debt collection

Subject : Formal Complaint Against Midland Credit Management ( MCM ) for Illegal Re-Aging of Medical Debt and Violation of CFPB Medical Debt Reporting Rules Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Midland Credit Management ( MCM ) regarding their improper handling and reporting of a medical debt on my credit report. This debt, which is currently reflected on my XXXX credit report, violates federal regulations and has caused significant harm to my creditworthiness. 

Issue 1 : Illegal Re-Aging of Debt The medical debt in question originates from XXXX. However, MCM has inaccurately and illegally re-aged this debt, reporting it as of XX/XX/XXXX. Re-aging a debt to make it appear more recent than it actually is constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and is a deceptive practice. This misrepresentation has unfairly impacted my credit score and my ability to secure credit.

Issue 2 : Inclusion of Medical Debt on Credit Report Furthermore, this debt is medical in nature. As outlined in the CFPBs Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ), finalized on XX/XX/XXXX, medical debt should not be included on credit reports. Despite this clear regulation, MCM has failed to remove this debt from my credit report, disregarding the CFPBs rules and causing undue harm to my financial standing.

Attempts to Resolve the Issue I attempted to dispute this inaccurate reporting through the XXXX XXXX app, but MCM has refused to correct or remove the debt from my credit report. Their failure to address this issue has left me with no recourse but to escalate this matter to your agency for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified Equifax that my account balance was incorrectly being reported on my credit report. It had apparently not updated. 

On XX/XX/2020 I was notified by email that the investigation was concluded and Equifax deleted the entire account and corresponding trade line. 

I never disputed the account as not mine or requested that it be deleted ; rather the balance updated as appropriate. 

Now correct and factual information has been deleted from my credit history with Equifax.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS AND INQUIRIES LISTED ARE NOT RELATED TO ME. DUE TO IDENTITY THEFT THESE TRANSACTIONS ARE NOT DONE BY ME.
Product: Credit card or prepaid card

I have tried to dispute the illegal charge of {$74.00} charged to my credit card issued by Citibank ( last four digits of the card number is XXXX ). 
The charge is by XXXX XXXX on XX/XX/2019. 
I have tried to dispute this charge many times over the phone with Citibank, but I was told over the phone by customer service of Citibank that they would not accept my dispute. I asked for the Citibank representatives ' names and got only one of them to provide her name. She said her name is XXXX and she was in XXXX. 
This is a discrimination against me as a person of XXXX. 

I demand that Citibank return {$74.00} to me and I demand that the Federal government fine and sanction Citibank for XXXX discrimination.