23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX I received a collection bill from IC systems in relation to a debt I then called and set up payment arrangements due to the balance being owed per my divorce decree by my ex wife I was told to pay it on XXXX XXXX. I told them I get paid the XXXX and I would pay when she paid. I am XXXX XXXX military and told them that. I explained it would get handled they promised as long as I payed it wouldnt affect my credit. I paid on XX/XX/XXXX as promised. Shortly after my current spouse and I went to finance a home and IC systems not only took payment the refused to follow through with deletion of account. My wife called and spoke with a supervisor who stated they listen to the call and told us they had an arrangement with cox cable to not delete when ask for documentation the supervisor refused to provide said policy and asked if we had an attorney. After we insisted on this being rectified we were told to contact an attorney because the supervisor stated that had no black and white written document stating said policy and the conversation was over and hung up. I want this deleted from my report I satisfied the debt in the time that was agreed to and all calls are recorded there, they need to rectify this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Trans Union and XXXX XXXX(XXXX XXXX)  via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX(XXXX XXXX) or Trans Union.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus 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 {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$27.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance {$43.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX OF XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX P XXXX XXXX C U XX/XX/XXXX
Product: Consumer Loan

I took out a loan of {$3100.00} from Loan Me. Everything was fully explained to me and the loan was funded on XXXX XXXX. I later that day called Loan Me customer service. I just wanted to receive my account number. I was told that they wanted to give me a welcome call for being a new customer. I informed the customer service person I was in a hurry and just wanted my new Loan Me account number so I could electronically submit my own loan payments. I was told they needed to re verify all of my personal information first to validate it was indeed me calling. I was good with all questions asked until they asked me to say out loud my whole social security number. My other financial institutions never ask over the phone my entire social security number but instead ask for the last XXXX digits. I believe this practice of asking some one to repeat their entire social security number over the phone is in violation of my rights as a consumer and can lead to identy theft. I provided my entire number online with their application which I have no problem with. They could easily verify my identity using the last XXXX digits of my social security number or another validating security question. The person I spoke with after I was validated as the borrower proceeded to tell me they would not give me my account number until I listened to their welcome call monologue. I reapedately asked just for my account number to no avail. I asked to speak to a supervisor and was placed on hold and then disconnected. I called back to receive the same validating questions and again was asked to say my entire phone number. This time the person did provide my account number when I asked but also proceeded to insist I listen to their new customer welcome call. I reluctely listen to what was Loan me ' s welcome call for me being a new member. This welcome call is nothing to do with verifying the borrower but has everything to do with loan me ' s attempt to get my permission to be contacted at work. Please have them stop the practice of having to repeat my entire social security number over the phone. Thank you. 
Respectfully, XXXX XXXX XXXX XXXX XXXX # XXXX, CA XXXXXXXXXXXX XXXX of SS # XXXXMore than enough validation provided. 

You may publish everything but my personal information.
Product: Credit card or prepaid card

We paid Barclays Bank Mastercard {$540.00} XX/XX/2020. Barclays Bank Mastercard refuses to credit the payment to our account. They are now charging interest and penalties even though they already have the payment! 

They said it was paid one day too early, so they will not credit the {$540.00} to our account. They won't return it either. This is nothing short of theft!
Product: Credit card or prepaid card

I have disputed a transaction for airfare from XXXX XXXX with Citibank on XX/XX/XXXX, because, according to Master Card " Charge back guide '', the service provided to me was " Not As Described '' ( I booked a flight to XXXX, but was flown to XXXX instead ). 

I was given a conditional credit on my statement, which was then reversed without me being notified. I have noticed the reversal on my statement, and called the bank around XXXX. 
The representative told me that they have a letter to me by mail, to which I would have to respond in order to continue the dispute. They could not tell me anything about the status of the dispute by phone, and they could not send that letter to me by email : due to government regulations '', according to them. 

I waited about 14 days, but the letter never came, so I called the bank again. This time, they said, they would just email it to me ( whatever happened to those " regulations '' this time ... ). 

The email I received contained the response from the merchant, that basically repeated the facts i stated in my original complaint ( they flew me to XXXX instead of XXXX, and said I had to make make my own arrangements from there ), and a note from the bank, saying that, since they got a response from the merchant, I had to provide " additional evidence '' in order to keep the dispute open. I was not sure what evidence they needed, since none of the facts I stated originally was disputed by the merchant. So, sent back my original reservation, and the airline notice of " trip interruption '' as " evidence ''. 

On XX/XX/XXXX ( yes, XXXX day ), I received another email from Citibank, that said they had some " secure '' information for me, and I had to click on some link, and enter my password to read it. 
The " secure '' link they sent had an invalid TLS certificate, and could not be opened safely. When I finally managed to get to the " secure information '', it was more or less the exact copy of the previous letter, saying that they needed " additional evidence '' ( without specifying what fact they needed to confirm ), and that " due to timeframe requirements '' (??? ) I had to respond by XX/XX/XXXX ( within 3 business days ). 

I responded to that email, asking for details of what specific facts they find in question, and require additional evidence for. That email was acknowledged, but never responded to. 

On XX/XX/XXXX, I received an email from them, stating that they found the merchant response " satisfactory '', and that my dispute is now " resolved ''. 

I find this completely unsatisfactory. Not only, this is as clear a situation of " service not as described '', that XXXX XXXX rules promise to protect the consumer from, it is also completely clear from the way Citibank handled this case ( " lost '' mail, lies about " government regulations '', incoherent communication, unnecessary requests, unreasonable deadlines, invalid certificates etc. ) shows without any doubt that it was never their intent to even attempt to resolve this dispute in any other way, which is clearly a violation of their agreement with me as a consumer.
Product: Debt collection

In XX/XX/XXXX I decided to seek help with my finances. National Debt Relief referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I enter an agreement with them to settle my debt. Everything was all good with them. It wasn't until XX/XX/XXXX that things with left. Someone called stating that one of my creditors were not willing to settle and my credit is still getting worse so we can take care of it for you. Ok was my response at the point I am wanting everything to just go away. So now I am with XXXX XXXX XXXX and a monthly payment is being made. At this time, I was asked to send a notary authorization for 2 of my accounts ( XXXX and XXXX XXXX ). Me not realizing that these 2 accounts were taken care of by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  So I start paying XXXX XXXX from XX/XX/XXXX until XXXX. At this time it went from me paying XXXX XXXX to XXXX. I did not receive anything saying that it was a change and now I am paying way more than my bill was at XXXX XXXX and XXXX XXXX which them combine was less than {$5000.00}. So I canceled paying Reach ( whoever they are ) and being harassed by them daily. I feel like right now they owe me because XXXX XXXX and XXXX XXXX were on my original agreement. What I started out owing was less than {$20000.00} ( with the settlements was half of this ). Right now I'm over {$25000.00} with these Reach people. I was trying to get information was unable to retrieve information from XXXX and can not. I do not know who Reach is. I do not want to give them no information. I want my money back.
Product: Credit card or prepaid card

I am filing a complaint against Bank of America for discrimination in bank practices and violating the Fair Access to Financial Services Act. 

I have requested in writing from Bank of America the standard it uses to refund some XXXX transfer but not all XXXX transfers to its customers. Bank of America has refused to provide in writing the standard it uses to determine refunds of fraudulent transfers and why it has declined my fraudulent XXXX transfer but has refunded others.. 

While Bank of America has declined to return my fraudulent XXXX transfer from my credit card account while stating it was because it does not refund them as I okayed the transfer, please find below just two of many examples where Bank of America clearly returned fraudulent funds under the same circumstance as mine. Banking regulations are to not discriminate against customers. 

Story clearly detailingcustomer named XXXX XXXX of XXXX XXXX receiving {$3500.00} back from a fraudulent XXXX transfer. Please explain in writing how this transaction differs from mine and why this customer received a refund. She is the one who okayed the transfer, but like my case. Banking regulations are to be applied equally to all customers. If banking regulations are not to applied equally to all customers, please explain the standard for the discrimination. 

https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, someone % XXXX % XXXX % XXXX % XXXX. 

New article from XXXX XXXX XXXXXXXX about XXXX XXXX 's case. After the XXXX XXXX XXXX contacted Bank of America for an interview, they returned his XXXX fund transfers.Again, another example of a XXXX transfer okay and sent by the customer to a fraudster but returned by Bank of America. 

https : XXXX Bank of American must have a standard in which it is using or it would not return ANY XXXX fund transfers, as it has obviously returned other customer 's fraudulent transfers and not mine. I would like Bank of America to provide in writing the standard it uses to refund some but not all XXXX transfers. It can not blanketly state it does not return XXXX funds as these two articles clearly show that they do return funds. Unless they have a standard, then it discrimination to return some customer 's funds based on something about that customer and not to return funds to a different customer based on something about that customer.
Product: Debt collection

I attempted to setup payment plans with 3 synchrony credit accounts, also had an agreement on another line which was no interest, $ $ a month and removal of late fees, over the limit fees that occurred with late fees. I asked on several occasions for a monthly statement they ignored my request so stopped sending money to an account that was unusable and principal amount was not decreasing amount owed seems i was scammed? The other three are similarly, hit hard times wife lost job, medically cost are high, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not work. After I pay my rent and utilities which leaves me very little for food. Interest rates of 30 to 35 % is ridiculous as they kept raising rates, also continously piling on late fees, interest, over limit fees, I've told them after several conversations to stop calling and harassing me daily several times a day. Synchrony and XXXX XXXX are predatory creditors.
Product: Debt collection

I noticed a delinquent account on my credit report for MRS Associates due to XXXX XXXX XXXX mobility. 

I contacted MRS Associates on XX/XX/XXXX and was informed they are a debt collection agency trying to collect a debt from a closed XXXX XXXX XXXX mobility account. Details for the account were given and are as follows : XXXX XXXX XXXX account closed on XXXX XX/XX/XXXX for balance of XXXX Account number of XXXX Number tied to account was XXXX Address for account was XXXX XXXX XXXX XXXX, TX XXXX I spoke with XXXX and was given a call back number of XXXX On XXXX XX/XX/XXXX, I then contacted XXXX XXXX XXXX to report the fraud/identity theft. I submitted a form on att.com/fraudinquiry. 

-- - I have never had a XXXX XXXX XXXX account. I have never sponsored anyone to open an account. I do not live, nor have I ever lived at the address for the account. 

I am a XXXX employee and my social was compromised in a data leak from XXXX. I have always paid my debts and did not have any delinquent accounts on my credit reports. I am looking to have this debt erased and report removed from my credit report. 

Please contact me on my cell phone at XXXX. Thanks for your help. 

XXXX XXXX XXXX
Product: Credit reporting

I looked at my XXXX report and noticed that Equifax had some negative reportinging on my credit file. I wrote Equifax a letter and asked them for verifacation of the accounts and they never responded, that was in XXXX. They did not respond until XXXX I had to send another letter to get them to respond. Since they were well past the 30 day response time which is stated in the FCRA they had to delete all of the accounts that were in the original letter but thet did not. I have sent them additional certified lletters with affidavids to no avail, they just continue breaking the FCRA. Please make them adhere to the federal law and delete the accounts that I disputed in XXXX. Please see all of the documents that I have sent Equifax. They are not above the law! 

Thanks, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/year> - XXXX sent my complaint letter to Coinbase, in which I clearly stated how this scam has affected me personally, psychologically, and financially.
Product: Credit reporting

I requested a credit report, trans-union report has information that does not belong to me. XXXX and XXXX reports could not be accessed because the security questions I answered had information that was not submitted by me. Addresses and XXXX of the XXXX phone numbers added in 2008 were not associated to me. My name and identity were used unknown to me by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.
Product: Credit reporting

I 've disputed these items with Experian on several occasions now. 

XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$12000.00} These items are over 7 years old. XXXX is reporting an incorrect " First Date of Continuous Delinquency ''. They have extended the reportability of these XXXX listings by an extra 2 years, these XXXX items should have been removed from my credit report on or around XX/XX/XXXX. 
Attached is a copy of the agreement where it clearly explains the Deferment End Date. In my case, ( ii ) is the earliest of 180 days after the Borrower ceases to be enrolled at the School. It is NOT ( iii ) 2 years after the date of the loan disbursement, as that would be a later date. XXXX has purposely chosen to report this INACCURATELY based on ( iii ) causing this item to report on my file by an extra 2 years!!! 

See enclosed agreement information for the " Deferment End Date ''. 
According to the attached agreement ( XXXX ) the Academic Period was from XX/XX/XXXX-XX/XX/XXXX. I was enrolled for XX/XX/XXXX ONLY ( See attached class enrollment schedule ). XXXX assumed that because it was a XXXX College that the enrollment period would be 2 years. Reportability of these XXXX items should be 7 years from the 180 days after my enrollment period of XX/XX/XXXX, making the Date of Continuous Delinquency XX/XX/XXXX plus 7 years for reporting this to the credit bureaus therefore these listings should no longer be reporting on my credit report after XX/XX/XXXX NOT like they are currently reporting on my credit. XXXX is listing the First Date of Continuous Delinquency as XX/XX/XXXX for loan amount {$29000.00} and XX/XX/XXXX for loan amount {$12000.00}. 

I 've attached my Class Enrollment Schedule, showing enrollment in XX/XX/XXXX. 
These XXXX items from XXXX XXXX should have been removed from my credit report based on the FCRA section 605 ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
I 've been disputing these items for 2 years now, the last letter Experian sent me dated XX/XX/XXXX states that they will not reinvestigate this information again. How can they get away with this inaccurate reporting for 2 years, I 've sent multiple disputes over the last 2 years and made several phone calls! XXXX is in violation of the FCRA, they 've reaged these items. 



Enclosures : Agreement XXXX pgs Student Class Schedule XXXX pg
Product: Credit reporting or other personal consumer reports

XX/XX/year> Accounts paid off and showing wrong balance. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Accounts Paid down and showing wrong balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my Gmail emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of the XXXX account ( # XXXX ) on my TransUnion credit report XXXX This account is no longer reported by Experian or Equifax, yet it remains on your records despite being time-barred under Florida law . 

The details of this account as reflected in my TransUnion report are as follows : Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Under Florida law ( Chapter 95.11, Florida Statutes ), the statute of limitations for revolving accounts is five ( 5 ) years. Based on the dates provided, this account has exceeded the allowable timeframe and should no longer be reported. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) 605 ( a ), consumer reporting agencies must ensure the accuracy and timeliness of reported information. Since this account is no longer reported by XXXX or XXXX, its continued presence on my TransUnion file suggests an inconsistency that requires immediate correction. 

Requested Action : I formally request the immediate removal of the XXXX account from my TransUnion credit report, as its reporting is outdated and negatively impacting my ability to obtain credit. 

Please investigate this matter promptly and provide me with a written response detailing the action taken. If you require any additional information, feel free to contact me at the details provided above. 

Thank you for your immediate attention to this matter.