23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have medical XXXX welfare and he covers all medical bills XXXX hospitals bills ) during that time I do n't have any outstanding. and I told that to the collection office XXXX
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Midland funding told me that I was going to goto jail if I did not make a paymen that day and the sheriff was coming to my home. I did not make the payment and I 'm not in jail.
Product: Money transfer, virtual currency, or money service

I have called, created accounts to reach support and filed several complaints Dear Cash App Support Team, I am writing to formally request the deletion of my personal information from your records, in accordance with my rights under California law. As a resident of California, I am protected by the California Consumer Privacy Act ( CCPA ), which grants me certain rights regarding the collection and use of my personal data.

Under the CCPA, I have the right to request that you delete any personal information that you have collected about me. This includes, but is not limited to, my name, address, email address, phone number, and financial information. I am exercising this right and hereby request that you delete all such information from your databases and any third parties with whom you have shared it. 



Failure to comply with this request may result in legal consequences under the CCPA. As you are aware, the CCPA allows for penalties of up to {$7500.00} per violation, as well as potential civil action by individual consumers. Therefore, I urge you to take prompt action to delete my personal information as requested. 



Please confirm in writing that you have received this request and have taken the necessary steps to delete my information. You can reach me at the contact information provided above if you require any further clarification or documentation. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX and last name XXXX XXXX - Phone number ( XXXX ) XXXX - Email address XXXX XXXX - Last XXXX digits of the debit card, bank account, or Cash App Card that was/is linked to your account XXXX XXXX XXXX XXXX Please delete ALL LINKED ACCOUNTS, MY NAME, SOCIAL SECURITY NUMBER, DEVICE INFORMATION, INCOME INFORMATION THE BANK DETAILS INCLUDING THE BANK STATEMENTS I PROVIDED YOU. ALL INFORMATION ABOUT ME INCLUD DEBIT CARD BANK CARDS ETC. 

I want my information deleted. I have multiple emails as I needed to open all these accounts because the only way to reach them is by going to support!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I wired coinbase {$9000.00} to be credited to my virtual currency account on XXXX. At the time of the wire the company coinbase said it was a 2 to 3 DAY DELAY for Incoming wires to be credited to accounts. After waiting several days ( 10 ) I contacted the company via their support services online and requested an answer to where my funds were. Coinbase gave me a generic response telling me to wait more. I then called them a few days later and the customer service rep told me they never received any wire under my name and that my issue would be escalated to priority and solved within the next 2 days. When they told me he could not find my wire l, I called their Bank to confirm they received my money and their Bank which is the XXXX bank in New York confirmed coinbase received my money on XXXX XXXX, XXXX, one day after I wired it. With this information I then contacted coinbase several times through their email support, on social media and by phone again, always being told it 's going to be escalated. It has been over 23 days, coinbase refuses to tell me why my money is not being credited or returned and why they lied about their promise time of 2 to 3 days. Because of this I have lost opportunities to invest and they are holding my funds without any say from me.
Product: Checking or savings account

Citizens Bank withdrew {$650.00} from my checking account on XX/XX/2022 for a Federal Loan I do not have. 

The account sat at $ XXXX due to the bank withdrawing this money. 

Citizens Bank just added a {$35.00} late fee, now I'm at - {$490.00} in my bank account. 

Citizens has filed a claim but says it takes weeks to process and resolve. 

I will lose my entire paycheck this week to cover the insufficient funds - thanks to citizens.
Product: Credit card

I had an XXXX XXXX credit card with Costco. In XX/XX/2016 Costco switched its card program to being offered by Citibank. At that time I had a {$140.00} balance on my XXXX XXXX card. When I went to pay off that amount online, in XX/XX/XXXX, I found that I could no longer access that account. I opened an account with Citi to continue my patronage of Costco. I was unable to figure out where my XXXX XXXX account went. When trying to contact Citibank I could n't get past their automated phones without providing an account number. In XX/XX/XXXX, I finally received a statement from Citibank letting me know that my account is 5 months without a payment and that it has been sent to collections. At that point the statement had the last XXXX digits of the elusive account on it, and I was able to successfully call and address my account. At that point I explained my story to the customer service lady and paid the {$140.00} balance that carried over from my XXXX. She told me that she would take care of all of the late fees and interest that had accrued, and that I did n't need to worry about the card anymore. Later that month I received another statement that said I still had {$70.00} of interest on my card. I called to address the issue, and ended up having to pay the interest in order to take care of the card and make sure there were no further late payment issues. I talked to Citibank about being able to dispute the account so that it would n't affect my credit, but the customer service rep said that Citibank ca n't do that and it is automatic. I also checked to try to find the reason Citibank did n't contact me for so long, and the email address they had on file was n't any of the email addresses that I own. Apparently it was just a collection of symbols that XXXX gave them for my email address, which is interesting because I had opted out of paper statements with XXXX, and email was my primary form of communication with them. Apparently either XXXX or Citibank had a database issue when transferring my info.
Product: Credit reporting

I have filed a complaint with BCFP and The Attorney Generals office about the company " XXXX XXXX '' that placed the false debt ( which is not my debt and could not provide proof ) on my Credit reports. XXXX and XXXX have removed the item which is not my debt but Experian refuses to remove this item. I have filed XXXX disputes yet they still refuse to remove the item only to say that the company says it is my debt but still DID NOT provide PROOF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report there some accounts that I did not authorize or belong to me. 
Here are accounts on my credit report that do not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX I have never received a single notice from any of the above-mentioned companies.I request validation and detailed verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX, XXXX ( Original Creditor : 12 XXXX XXXX   XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Company name : XXXX XXXX XXXX Account # : XXXX. Company name : XXXX XXXX XXXX, Account # : XXXX Im in an hardship and cant buy a place to live due to the negative thing on my account thats not accurate.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason, I used that PayPal for long time and I still have balanced on that account and XXXX need to to help my needs. My account is XXXX XXXX
Product: Credit card

I opened a credit card in-store at a XXXX XXXX Department store in XXXX, California. From there, I never received the card in the mail, so I was unable to pay the card or login and could not contact anyone for help from the # 's provided on the internet. 

I paid the card off in-store with a debit card, and told them about the problem, they sent me another card which I 've had for a while now ending in XXXX. 

Today I received a call and they informed me, unknown to me, that I have a XXXX credit card ending in XXXX, which I have never received a statement, card, call, or email for until today. This new card unbeknownst to me also has a very past due balance they 're just now informing me about as well that is over {$1000.00} XXXX. 

I can not help but feel that assigning a new credit card, transferring the balance of, and not informing a consumer is probably considered predatory lending, and would like to ensure that : XXXX, XXXX XXXX Credit Card, XXXX Stores, or Amex who are all associated with the card do not continue this practice. 

I 'm unsure if I truly owe the amount they are stating that I owe and have sent to collections ( {$1100.00}, or XXXX, they told me multiple different amounts on the phone ) as I paid it all off in-person to avoid having to use this card again after seeing that they did not have normal business practices or customer service. 

I am very disappointed in the hours of time that opening a simple department store credit card has caused me to lose dealing with them on the phone, or attempting to login to their poorly built website online. 

Thank you very much for providing an agency or group to review and monitor these types of businesses who waste time, money, and impact credit reports for Americans. 

Thank you, -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing despite my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Comenitycapital/Floo XXXXXXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Capital XXXX XXXXXXXXXXXX Balance : {$6200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX # XXXX, XXXX, LA XXXX Comenitycapital/Floo XXXXXXXXXXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX Plus/Everett XXXX XX/XX/year> Credit Plus XX/XX/year>.
Product: Mortgage

In XXXX of XXXX, I requested a forbearance on my mortgage with LoanCare and at the time I was 30 days past due. I made the past due payment in XXXX, but my credit report shows I was 30 days past due until XX/XX/XXXX ( See attached image ). Every time you call LoanCare you hear the forbearance recording and in that recording it states that " if you are able to bring your account current during the forbearance plan, we will report it as current ''. ( Part of recording is attached. ) When I talked to the LoanCare representative and told her what the recording said, she stated in was miss leading and what it mean, was if you had a missing payment and paid it and the forbearance payments then your account would be current. 

Also, when I tried to log in to my account to get a payment statement to attached, I could not, even though my username and password were correct. When I called them, there were XXXX callers ahead of me in the queue. Unacceptable!
Product: Debt collection

A medical bill was paid by insurance last year in full. This company repeatedly calls from spoofed numbers, sometimes up to 5 times per day. They never leave a message or answer when I pick up the phone. They started harassing my XXXX year old son during school hours on his phone. When I call them they try to tell me that I owe {$61.00}. I have submitted the proof that this was paid on numerous occasions and yet they still call. Calling my son was the last straw.
Product: Credit reporting or other personal consumer reports

I am writing to formally request specific details regarding a closed account listed on my credit report. I am disputing the charge-offs associated with this account ; however, I am requesting the following details for my records : The date of the first delinquency on the account. 
The date of the last payment made on the account. 
The date the account was officially charged off. 
The account in question is as follows : Creditor : Capital One Account Number : XXXX I would appreciate your prompt response to this request. If any additional information is required to process my request, please let me know at your earliest convenience. 

Thank you for your time and assistance. 

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

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 6TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHMENT!!!!!!!
Product: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX on XX/XX/XXXX reminding me to make my payment by XX/XX/XXXX to avoid a late payment being reported. I made the payment on XX/XX/XXXX and it cleared my account on XX/XX/XXXX. I received a notice from Experian that my account payment had been updated with a 30 day late payment. 

I contacted XXXX  by email and was advised to open a dispute with the credit bureau. I do not feel that this is a fair business practice and I am unsure why my payment was not updated in their system until XX/XX/XXXX. I will attach the emails from the company and the screenshot of the date the payment posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  inquiry by EXPERIAN : 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 have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance XXXX
Product: Debt collection

SSI stating i owe XXXX but the money they stating i owe was when i was under age my mom was responsible of me. now they have it as a collection on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off account on my credit report that I believe contains multiple inaccuracies. The account in question is associated with XXXX XXXX XXXXXXXX, and here are the details please delete this account
Product: Debt collection

On XX/XX/XXXX Williams and fudge called and left me a voicemail at apprx XXXX am. At XXXX I believe tell called me with the number showing private and then they called again at XXXX. After they didn't hear from me they called a person I know at apprx XXXX asking for me. They were told that is not my number and was asked then they have my number. The rep said yes I called a couple times and left a voicemail but she is not calling me back. The person they called said you are violating her privacy especially if you knowingly have her number. I email the office to complain. They admitted the rep called but no privacy was violated. they said they listen to the call and would I like a copy but I am unsure why they would call someone else if they had my correct phone number of 13 years which is published.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX  Balance Owed : {$17000.00} XXXX XXXX  Balance Owed : {$9200.00} XXXX XXXX  Balance Owed : {$7300.00} XXXX XXXX XXXX  Balance Owed : {$0.00} tied up
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection was recently removed from my account and then a few days ago equifax added it back. I have contacted the creditor and the creditor states that they no longer have this record it was deleted but somehow Equifax decided to added it again the company even sent me paperwork claiming that the file has been removed. Attached is the erroneous document reporting on my credit profile