23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card in XX/XX/XXXX, and closed the account in XX/XX/XXXX. Prior to closing the card there was an annual fee that billed to the account and due to not receiving my statements the account went 30 days past due on XX/XX/XXXX and 60 days past due on XX/XX/XXXX. 
I don't have the account number any longer but the number showing on my credit report excluding the last 4 is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Equifax learned that a very large number of accounts were compromised. Only on XXXX XXXX, after the hackers had over 2 months to process all this information ( including mine ) they finally told the public about it. 

Not only have they failed to protect my information and ended up divulging it without my consent, but they have also failed to notify me on time. A 2 month delay is unacceptable given the sensitivity and the breadth of personal information that was leaked.
Product: Credit reporting or other personal consumer reports

I have been enrolled with XXXX repayment program for the past 4-5yrs. This program assists with the repayment of the account with no interest and to maintain good credit status with credit agencies. I have never been late on the monthly payments in the amount of {$94.00} per month that automatically deducts from my bank account. I successfully reached the end of the repayment term with only two payments remaining for the months of XXXX and XX/XX/XXXX. In XX/XX/XXXX, I had received a statement that reflect the remaining balance. I contacted XXXX just to verify remaining balance and the customer service representative confirmed. I inquired since my normal monthly payments were setup as {$94.00} per month, there would eventually be an over payment and how does XXXX handle the overpayment. The customer representative agreed that there would be an overpayment and gave me the option to either continue making the last two payments ( XXXX and XX/XX/XXXX in the amount of {$94.00} each ) and XXXX would mail me a refund. The second option would be the customer service representative can manually modify my last two months payment to split into two payments of {$60.00} and XXXX  for the months ( XXXX and XX/XX/XXXX ). I opted to accept the second option to avoid overpayment. In XXXX, I received a credit report alert of my credit score ( decreased approximately by XXXX points ) with XXXX and Transunion had adversely been impacted by a past due payment status with XXXX. My XXXX credit score went from very good to below average. My Transunion credit score went from good to fair. I was shocked! As mention before I have NEVER been late or paid less than original repayment monthly amount since enrolled in program. The customer service representative NEVER communicated that if the last two months payments are modified that my credit status would be negatively impacted! I would have NEVER accepted that option that she gave me. XXXX should be ashamed to treat me this way when I have paid according to the repayment program and why would I risk my good credit status on the last two final payments of the program. XXXX should be held accountable for the negligence of their customer service representatives. I want the negative past due status removed from credit agencies and revised to current and always paid as agreed for this account. I want my credit score points that were lost to be reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am trying to save my home and the lender is saying I have old history with XXXX XXXX XXXXXXXX, XXXX and Capital One. 

These accounts appear to be close the the 7 year mark. Upon looking at the accounts there are a few months left. I am hoping someone here can help me with a good will adjustment. 

Please I need these accounts removed. If it is possible for you to look into this and help me get these accounts deleted. There are 4 in total. 

Thank you XXXX
Product: Debt collection

Received a notice from a company by the name of Credit Protection Association LP attempting to collect a XXXX XXXX bill. First, name of company is misleading under Sections 807 and 808 of the FDCPA. I sent a letter X/XX/17 disputing the balance because I had never received a bill for this amount from XXXX. After sending the dispute letter, I went to the local XXXX XXXX office. I had moved and started service with them at the new house and discontinued service at the old house. XXXX had failed to put the new address on the old account so I never received a final bill. The old on-line account had also been disabled when service was moved so I could not go and see what I owed. I paid XXXX on XX/XX/XXXX the full amount owed of {$190.00}. XXXX manager admitted that not entering the forwarding address was a big problem and that their staff would be counseled on the proper procedure. Also notice the letter from Credit Protection had my old address ( see attached ) further showing the XXXX made an error by not putting a forwarding address on the account. We did have a USPS forwarding order on at the old house but we did not receive any forwarded bill from XXXX. I assumed that Credit Protection Association LP would contact XXXX due to my dispute letter to confirm the amount owed. But apparently they do n't have enough time to do that, so they just continue to send out letters demanding payment on an account that has already been paid. On XX/XX/XXXX received another letter from Credit Protection Association LP. I called them and asked why they were sending me another collection letter when I had disputed the account. The first person I talked to said that my letter did not qualify as a dispute. Even though my letter said : " I am hereby challenging your notice that I owe {$190.00}. '' ( See attached ) This is clearly a dispute of the balance owed. I then talked with a supervisor named XXXX and asked why they were still trying to contact me. She said their system indicated that they received a letter, but that it was not a dispute letter. After arguing with XXXX for several minutes and realizing she was n't going to do anything, I asked her to transfer me to the FDCPA compliance department. XXXX refused. She did give me a number XXXX XXXX. I called the number and the company name was completely different than Credit Protection Association LP. Something like XXXX XXXX. The extension she gave me was false because when I entered it, it disconnected me. I called back and opted out to the operator and asked to be transferred to the Legal Department. I left a VM for " XXXX ''. So my complaint is : 1. that the name Credit Protection Association LP is misleading. It makes them sound like a credit counseling company. I am sure others have been mislead. 2. they contacted me after receiving a dispute letter. 3. when I got on the phone with XXXX , she failed to repeat the mini-Miranda warning. 4. she did not transfer me to an FDCPA compliance person when requested. 5. they continued to try an collect a debt after it had already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX
XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX XXXX I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I lived at 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 allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXXwhen began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.
Product: Debt collection

I am writing to formally dispute inaccurate information regarding a debt that has been reported on my credit file. I request that you immediately investigate and remove this information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I have identified that a debt related to the above account has been inaccurately reported on my credit file. Upon review, I requested proof of the debt assignment from the debt collector, AWA COLLECTIONS, as provided by my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which states that a debt collector must validate the debt if requested within 30 days.

Despite my request, AWA COLLECTIONS has failed to provide any valid documentation or proof of debt assignment from the original creditor or any agreement to assign this debt. As they have failed to substantiate their claim, I am requesting that you immediately remove this account from my credit report as required by both the FCRA ( 15 U.S.C. 1681i ) and the FDCPA.

Legal Basis for Removal : Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must cease collection activities and can not report the debt to the credit bureaus if they fail to validate the debt upon request. Additionally, the Fair Credit Reporting Act ( FCRA ) requires that any information on my credit report that can not be substantiated or validated be removed if it is found to be inaccurate.

Given the lack of proof of debt assignment from the collector, I am asserting that the reported information is inaccurate and must be removed from my credit file. Furthermore, the FCRA obligates credit reporting agencies to correct or remove any disputed information that is found to be inaccurate after investigation.

If you require any further information from me to assist with your investigation, please do not hesitate to contact me at the above-listed phone number or email.

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Prepaid card

They would charge extra fee to transfer money from 1 card to another! And sometimes my card has been compromise and I had to order another card before! I really dont remember the dates but I can guess about 2 yrs ago when my card was compromise and as for the fees that every time I transfer money
Product: Checking or savings account

I get a CD at U.S. Bank XX/XX/XXXX. At XX/XX/XXXX, I called U.S. Bank to cash my CD into my checking account. The customer service said no problem but 1 % will be deduct due to early withdrawal and I suppose to get my XXXX into my checking account within 5 business days as they mentioned. So I checked my balance at XX/XX/XXXX, it shows XXXX in my checking account perfectly. However, at XX/XX/XXXX, when I looked my balance again XXXX disappeared. So I made multiple phone calls in the next following days and all the responses are the same, tell me to wait and the money will be available tomorrow. Until now 7 business days has passed, and I still don't know why my money disappeared, and when it will be available again. Not a single reason being provided to me, which makes me frustrated. More importantly, I need the money as soon as possible to pay tax! Please help me!
Product: Credit card or prepaid card

So in my previous comments I told u about citi bank how they messed up my account and added more money when the limit was XXXX and my credit card bill was over XXXX and that made me really upset how they handled that was very poorly I would like an appology for how I was treated with citi bank they kept adding more money to my account and I was so upset about that I am having to pay with my bank now with the loan I just am very frustrated how they handled the situation I have a major XXXX and struggle with lots of things
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 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 an 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. Account needs to be removed from report.
Product: Credit card

ON XXXX XXXX, XXXX I ENROLLED IN A PROGRAM CALLED XXXX SPONSORED BY XXXX XXXX XXXX FOR AMOUNT OF {$1900.00}. THE THIS WAS SUPPOSED TO BE ADVISORY AND EDUCATIONAL SERVICE. AFTER MANY CALLS AND E-MAILS I WAS ENROLLED IN XXXX XXXX XXXX WEEKLY OPTION ADVISORY PROGRAM THAT WAS SUPPOSED TO BE AUTOMATED BY THIRD-PARTY. I DID NOT RECEIVE WHAT THE AGREEMENT WAS I COULD NOT SET THE ACCOUNT. I ENROLLED ON THIS PROGRAM ON XXXX XXXX, XXXX AND I DISPUTE THE CHARGES ON XXXX XXXX, XXXX. THE BANK DID NOT INITIATE THE REFUND BECAUSE THEY WOULD NOT UNDERSTAND THAT I DID NOT GET WHAT I WAS SUPPOSED TO GET. AS A RESULT THERE WAS A CHARGE OF {$5000.00} TO MY CREDIT CARD WITH NEW AGREEMENT OF TERMS AND CONDITIONS THAT I DID NOT AGREE TO. WHEN I TRY TO CHALLENGE THE CHARGES AGAIN THEY SAID I AGREE TO THE NEW CHARGES BUT I HAVE BEEN COMPLAINING MANY TIMES WITHOUT ANY RESULTS. I NEED HELP SO I CAN REVERSED THE CHARGES ON THE SERVICE I NEVER RECEIVED. 
THANK YOU VERY MUCH. 
XXXX XXXX.
Product: Debt collection

They are calling every 3 hours. I have an app that says its Citibank robocall. I dont have a Citibank account. They have called 3 times today since XXXX XXXX. They also called several times last week
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 2000 Incorrect Previous Address : - XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect CurrentAddress : - XXXX OAK XXXX XXXX, XXXX XXXX, CA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX 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 XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Vehicle loan or lease

In XX/XX/XXXX, I had a car financed through Credit Acceptance Corporation and it was declared totaled in XX/XX/XXXX by the auto insurance company. The insurance company paid the payment for the car. I spoke to a Credit Acceptance Corporation representative ( with a nasty demeanor ) in XX/XX/XXXX. I told him that I did not believe I did not believe I owed any more funds on the vehicle because the loan was paid off early. The representative stated that I still had a balance due. I inquired about the Extended car warranty and the Gap coverage that was added to the loan and was it pro-rated and removed from the balance. He mentioned that was the gap coverage was removed & I was issued a credit towards the balance due only. I requested a verification and statement of transactions and the amount that is due. He said he would email it to and verified my email address. Credit Acceptance Corporation does not mail me any statements or communications regarding this car loan and never have. As of today, XX/XX/XXXX, I have yet to receive any mailings or emails from the Credit Acceptance Corporation regarding the auto loan, however, they call me daily requesting payment for a vehicle that was paid off by the car insurance company. and they are reporting the loan is delinquent to all credit bureaus. If I owe the loan after it was paid off, why won't they send me written documentation of the balance due and details of the payments they received? How could this company harass a customer for payment without validating or verifying the debt when requested and report derogatory information to credit bureaus?
Product: Money transfer, virtual currency, or money service

I opened an account in XX/XX/2021 with gemini.com to trade crypto currencies. After completing the sign up process i transferred funds of {$23.00} as a test and used those funds to purchase XXXX. 

They except funds and will allow trading but are keeping my account in a : PENDING VERIFICATION '' status. It has been now over a month and gemini will not allow me to transfer or withdraw anything. I have emailed them and they responded 2 weeks later with no solution. They have not responded to any emails i have sent after. I AM NOT THE ONLY PERSON with these issues. 

Gemini is holding everything ( even my small amount ) hostage because of a verification? I am glad i did a small test amount. This company is not trust worthy.
Product: Debt collection

On XX/XX/2020, I was called from a spoofed number of XXXX and a voicemail was left that makes an implication of debt owed and that the call is an attempt to collect a debt. This called was also placed by an automated dialer for collection efforts which this company does not have consent to contact my phone number using automated dialing technology ( violation of TCPA ). This call was made to my phone number XXXX as well as my mothers cell phone number XXXX ( who is in no way attached to the claim and was located via skip tracing. The same voicemail was left on my mothers voicemail indicating a need for her to contact me and have me contact this office, again a violation of TCPA and now FDCPA. 

I contacted the office back and spoke with a representative who asked what my intentions with the debt were. When I advised I would like to review the matter further and may ultimately request to have the debt verified, he replied " So you aren't going to pay your debt '' laughed and hung up.

I called back and spoke with another agent who advised me they were a 3rd party collector, calling on behalf of another client. I again asked for additional information so that I could further review the debt and decide if I should request a validation of debt. He advised he would email me a letter and notate the file.

At no time did this company ethically or legally follow the collections laws established by FDCPA and also violated the TCPA in regards to automated calling efforts.
Product: Credit reporting or other personal consumer reports

Synchrony Bank, credit card service 's sent a letter back saying now the can not remove it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Can not link PNC account to any services XXXX, XXXX XXXX, XXXX XXXX PNC has a lock on the service
Product: Credit reporting, credit repair services, or other personal consumer reports

Called all day to and everyday had called after XXXX its debt collector or car warranty to buy or fake irs everytime I answer its something different
Product: Debt collection

I lived at XXXX XXXX for a year. Rent Recovery is trying to collect from me. I made sure I followed rules, and cleaned the place spotless before I left. I have pictures to prove it. And pictures of even getting the carpet cleaned and they still say I owe them XXXX for a deep cleaning of the apartment and broken blinds. I do not mind paying for the blinds but there needed not to be a deep cleaning at all. Any cleaning that would have been done would be normal cleaning for the next tenant to live there. A routine clean. The pictures are the exact day of move out and the picture of the lady is who did my move out inspection.
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to find inaccurate accounts suddenly appearing on my credit report, and I have no idea why. I check my credit report regularly, but this time, there were strange discrepancies that seemed to come out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. The inaccurate accounts were still there. I'm requesting that the documents Ive submitted be reviewed thoroughly so that I can put this behind me and never have to worry about it again.