23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Refer my CFPB Complaint # XXXX. Debt was Citibank XXXX XXXX account. Was contacted over 4 years ago ; I ran into lack of job and other financial difficulties. Card is charged off ; Contract sold to XXXX XXXX of XXXX, CA. - File # XXXX. I dispute notification of debt and account. I was contacted XX/XX/XXXX by a Process and Services Agency called XXXX XXXX XXXX, and was informed after calling number for more info, spoke to XXXX XXXX, a Claims and Mitigation attorney with XXXX XXXX XXXX in California. He gave me Case info and that it had been sold to XXXX XXXX, a Client of XXXX XXXX XXXX. This Debt is OVER 10 YEARS OLD, and the statue of collections was to expire XX/XX/XXXX, per XXXX XXXX. My Original balance about XXXX was {$980.00}, but was informed by XXXX XXXX that interest and penalties accrued, unbeknownst to me, to a balance of {$2800.00}. I want balance down to a more manageable amount if it is required to pay off, even though it is a charged off account. I want my file removed and released and do not want to be contacted by XXXX XXXX. XXXX, VA court system. I could not make payments, fell short, tried to contact and get resolution, lost contact with whomever was holding debt. Was not notifed it was reported to another collection agent and then sold. Account " dropped into a crack. '' Does not show in my current credit files. Why notification now, over 5 years no contact, no notification and account sold and not informed. When I try to obtain more and better employment, this should not be in the records to hold me back from gainful employment. These companies " did not act in good faith '' to try and contact me until now. When verified, my DOB, info and address are current and on file, so there is No Excuse of no contact from XXXX XXXX and XXXX XXXX. XXXX XXXX gave me contact number for XXXX. It is : XXXX and they are in XXXX XXXX, California. To my knowledge, my credit is in good standing. I do not need this issue hanging over my head. 
XXXX XXXX original Credit card account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting a collection account on my credit report with Transunion. this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX . This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with Transunion twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on  XX/XX/XXXX . I then spoke to another representative from  XXXX   XXXX  on  XX/XX/XXXX  who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  XXXX .
Product: Credit reporting or other personal consumer reports

I requesting the removal of XXXX XXXX from both XXXX and TransUnion XXXX reporting. As XXXX found XXXX XXXX unverifiable and inaccurate and decided to remove it from their system and no longer on my credit report with them. TransUnion reports conflicting details than that of XXXX, raising concerns about its validity, especially considering potential errors from the XXXX XXXX data breach and the XXXX XXXX TransUnion data breach. This situation is worthy of removal based on the integrity of the entire credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and to my amazement, saw that you recently have decided to report me 30 days late on my XXXX account in XX/XX/2018. I have previous credit reports from both agencies pulled in XX/XX/2018, and neither one of these reports show me late in XX/XX/2018. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX dispute and my XXXX dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Back on XX/XX/XXXX, I was all of a sudden unable to transfer the funds I received via paypal, to my bank account or debit card. I never had an issue in doing so previous to this time. I contacted Paypal immediately and they stated that they fixed the issue and to give it up to 48 hrs to correct on my online account. I attempted again a week later to transfer the funds and received the same error message. Contacted Paypal again and after being transferred several times I was told to submit proof of identity which I did. Still no access to my money. I have since called countless times and have been on hold for hours upon hours, and still have yet to access my money. As I am typing this i am currently on hold after calling and asking for a supervisor, for now 1 hour and 36 minutes! I have over {$1300.00} being basically held hostage in my paypal account and the company has been no help and now will not even answer my calls! I need help in getting MY MONEY as I have been trying and trying for 7 months to do so, as it is now XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible Purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENITITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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

My td bank debit card was fraudulenetly used on tuesday for over 2000 dollars i called td bank as soon as it happened they said for me to dispute i have to wait for charges to post..today " ( thursday ) they posted i call td bank to dispute and ask for a credit.i am told i have to wait ten days for their investigation to end to get a credit..My card was used fraudulently now i got to sit in limbo for something that i didn't do.
Product: Debt collection

The Harvard Collection Service claimed to be collecting for Illinois Dept of Revenue. I spoke with XXXX XXXX on XX/XX/2014. She called at all hours of the day and night. She demanded on the date I provided that if I do n't agree to a payment plan that very day they would seize my XXXX Ford f-150 truck. I had just been released from the hospital and was too weak to even hold a phone myself, so my poor wife also exhausted from all we had been through recovering from XXXX and slow progression from that state had to hold the phone to my ear. I had to deal with this persons threats! I was shaking so hard I feared I would was going to have another XXXX XXXX, I explained my health crisis but all she cared about was collecting. I lost everything and explained, all I have left is a {$650.00} credit limit credit card to buy food with. She did n't care and forced us into a payment plan. I honestly just wanted the harassment to stop! We could n't afford to lose our only reliable vehicle and feeling hand cuffed we entered an arrangement under severe duress!
Product: Consumer Loan

I purchased a car from XXXX XXXX in XXXX Texas. XXXX XXXX, 2014 I got behind on my payments, I am a college student, they repossessed the car. I paid to get the car out of repossession. I have been paying and am still paying on the car, however, no purchase or payments are showing on my credit report. It is like i am paying on a ghost car. When I called Drive Time/ Bridgecrest, they say they ca n't post the payments on my credit. I just found out about this when I went to go to purchase another car and the y ran my credit. The car is not on my credit report and now it is having repair issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to unfreeze my credit file with Experian. Every time I try to go to the page that displays the option to unfreeze, I get the error saying : " Status not found We're having trouble loading your information. Please try again later. '' I have tried to call Experian and no one was willing to help. I need to urgently unfreeze my credit file so that I can apply for a credit card.
Product: Debt collection

I applied and received a loan from Security finance in XXXX, AL. Upon the origination of the loan I verbally asked them to not call my place of employment. XXXX XXXX ( who refuses to give her actual name ) has called my place of employment asking for me multiple times. This is a violation of the FCDPA act. She then claims she never asked for me but spoke to me, but I go by my middle name at my place of employment. She then said She needed our corporate address which is public information.
Product: Bank account or service

I signed up for a Citibank checking account promotion back in XX/XX/XXXX for {$400.00} promotional credit if you deposited $ XXXX and kept it in for 30 days and waited another 90 for payout. It has been more than 4 months since I deposited XXXX no payout was processed yet.I have been calling Citi bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I every time I was told that I have to wait 90 days to receive a bonus. Then I called on Saturday XX/XX/XXXX to the Citi Bank and I at that time customer service rep opened a dispute. Two days later I received a letter stating that I did n't meet bank 's requirements since I did n't deposit money in 30 days since I opened an account. Why no one told me that when I called on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If I knew that I do n't qualify for that bonus I would just move my money to another bank instead of keeping my XXXX for free in Citi bank. Moreover, now bank stated that i had to deposit money 30 days since I opened account - what 30 days regular or business days. And in that letter Citi Bank is stating that I had to keep my money for 30 days so why I was told so many times that I have to wait 90 days. This is ridiculous. Bank is using people 's money to its own benefits.
Product: Mortgage

My mortgage was sold to PHH bank from XXXX XXXX   XXXX in XX/XX/2010. I have not been late in paying my mortgage which is due on the XXXX of the month with a 16 day grace period. 

XXXX bank has bee contacting me every month on the XXXX of the month informing me that my mortgage payment is late, when it is not. 
This has become a constant with these people, which is quite bothersome and a harassment to me. I feel they are trying to DAMAGE my credit by constantly calling me about my mortgage- which has been paid on time.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( SYNCB/ CARECREDIT ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit card or prepaid card

The Credit Card Statement ending on XXXX XX/XX/2021 is not totally correct. I sent 2 e-mails to the credit card company on or about XXXX XX/XX/2021. I received a generic response back for both e-mails. I then called the Office of the President of the company and waited 24 hours without a response before I filed this complaint. I also attempted to discuss this issue with the phone Customer Service Representatives on XXXX XX/XX/2021. One was no help and the second, who I think was from a call center in XXXX was attempting to help, but we were disconnected and I didnt receive a call back. 

A person cant pay off an Easy Pay Transaction early without undertaking draconian measures. 

Please answer these 3 questions separately. All are from the XXXX XX/XX/2021 statement. I paid the XXXX XX/XX/2021 statement balance in full on XXXX XX/XX/2021 which was the due date.

1. There is a Interest Charge of {$42.00}. This is located on pages 1, 3 and 5. Since the previous statement was paid in full, there should not be any interest charges. Please explain this charge.
2. The minimum payment due is incorrect. It should be between {$29.00} and {$39.00}, not {$450.00}. Which invalidates the complete Payment Information Block to include how long it will take to pay off the statement balance. The minimum payment due is between 11 and 12 % of the Statement Balance. Is it this high as retaliation for a previous CFPB complaint?

3. The statement balance on page 1 of {$3900.00} are the new charges since the previous statement. On page 5, Easy Pay Summary, the summary still identifies 3 transactions as having a remaining balance. Those balances should be XXXX. Instead the statement identifies a balance of {$2400.00}, which is not reflected in the XXXX XX/XX/2021 Statement Balance. Please explain why there is an outstanding balance since I paid the XX/XX/2021 statement in full. 

My last charge for this credit card is XXXX XX/XX/2021. The only two options I have determined for this credit card to get out from under Easy Pay is to either not use ( new charges which Im selecting now ) or cancel the card. There is no way to pay off the Easy Pay charges early. Barclay Card is right up there with pay day loan companies.

I am also going to file a complaint with my Federal Senator to have the CFPB look into the procedures of this company. 

Included to XXXX XXXX will be a complaint concerning this issue to make them aware of their advertising choices.
Product: Debt collection

American Express is the only financial company that has not been able to help me figure out a payment plan for the Covid 19 emergency. While XXXX XXXX, for example, was able to freeze payments for 2 months, Amex keeps calling me more than 2-3 times a day every day. I have been able to make small payments and will continue to do so as I have told them over the phone. I already told them not to call me every day and they keep doing it. I was on the phone today with them and they have been hanging up on me every time they transfer me to the financial relief program team. Their behavior is predatory. Not only are they harassing me, but they keep adding late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$66.00} ; XXXX XXXX XXXX  : {$73.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries
Product: Debt collection

My name is incorrect in all debt on my credit report I disputed and uploaded my id to show proof and nothing has been done.
Product: Credit reporting or other personal consumer reports

Having submitted a complaint against Experian on XX/XX/2023, I received an interim response from them on XX/XX/2023. In this response, Experian acknowledged their re-investigation of the matter, transferring it to their dispute team. Their communication assured me of a response within 30 days. Today being XX/XX/XXXX, I find myself without any communication from either Experian or their dispute team. 

Experian 's role is obligatory for every American with a SSN due to credit debt, which makes my original complaint still valid. It pertains to their failure to address my query : Why does Experian 's Boost program include seemingly discretionary expenses like XXXX or XXXX subscriptions, while omitting essential monthly bills like car insurance? Car insurance, a mandatory payment for commuters, is perplexingly absent from their Boost program. This inconsistency raises the question of Experian 's selection criteria for inclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX I got an alert from credit wise a company that reports to the credit bureaus of data breaches Transunion XXXX and XXXX filed to notify me that my information was used on the black web or of any suspicious activity or potential identity theft The photos attached will show that my social security number and email was breached Or found on the dark web It also shows address numbers and zip codes that are in no association with me
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit file, as I am a victim of a data breach that resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2900.00}
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you review the documents? Several of the listed accounts contain inaccuracies regarding reporting, including inaccurate amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This particular account is reporting inaccurate information on NAVY FEDERAL CR UNION XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Continues to send one page, no contract with company and now is threatening an attorney to take case. sent cease and desist letter several times beginning back in XX/XX/XXXX company continues to send letters without the corrected information or verification and is still reporting to my credit report as new credit. This is my second complaint about this company as they continue to use Resurgent and XXXX XXXX. It is taking a toll on my credit. I am not able to live the pursuit of liberty and happiness as I am being denied my own credit from other companies because of this company. I have sent several cease-and-desist letters certified to this company and they continue to regenerate the same letter with not feedback, and there are more dates. 
XXXX XX/XX/XXXX