23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have fraudulently reported a XXXX  XXXX Bankruptcy on my credit reports, first of all Courts don't provide any information to any XXXX party which includes credit reporting agencies such as XXXX, XXXX and EQUIFAX. 


XXXX XXXX XXXX REF # XXXX How did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose.

15 USC 1681b In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title XXXX, XXXX  for not more than 2 years, or both. 

XXXX XXXX XXXX Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose. 

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report. 

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Product: Credit card or prepaid card

I made a payment to paypal credit card ( issued by Synchrony bank ) over {$1600.00} on XX/XX/2021. To this day they refuse to credit my payment. I have send them proof of payment from my bank and multiple times over fax, priority mail and email.
Product: Debt collection

on XX/XX/2019 at appox:XXXX XXXX  XXXX I called Franlin collection firm after receiving letter by mail spoke to a rep by the name of Mr. XXXX XXXX at ext XXXX whom I provided the Fcsi  case number rep did not Identify any other information to be sure he is speaking to the right party and never resighted the mini miranda before discussing the debt.. I advised rep I was in abritation with creditor at and t regarding contract and services that were discussed and that i was disputing the debt. The rep was talking with me and over me with a very mean tone which offended me after i told him i was disputing he sill insist payment and explained his attempts to still collect the debt after being told i prefer no contact until matter is resolved through arbritraction with the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a XXXX XXXX, and as a result, the following account and inquiries have been made without my consent or authorization. I am requesting that these items be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Previous Complaint XXXX After sending TransUnion LLC XXXX XXXX and XXXX my information twice they are refusing to let me verify my own identity. XXXX has acquired and are furnishing incorrect information and fraudulent data and fraudulent information participating in willful negligence which is stopping me from recovering from identity theft, barring me from financial products and hindering living arrangements due to keeping inaccurate and incorrect old, outdated information on my credit report file, this is my 3 time trying to figure out how has my name, address, social gets changed without me ever knowing and then they not allow me to correct my own information, it's insane!
Product: Mortgage

I am having a very difficult time with SPS. I went through XXXX treatment in 2020 and had to stay home because of COVID and treatment. SPS placed my on a forbearance with the CARES Act. SPS then wanted me to apply for a modification to resolve the missed payments. SPS declined my modification and approved me for a repayment plan. As I told SPS I have new medical expenses because of XXXX and can not afford a repayment plan.
Product: Credit card

On XXXX/XXXX/XXXX I made a payment on my Citi Card account ending in XXXX using my checking account ending in XXXX, which I have made in error because my payroll goes to my account ending in XXXX. 
XXXX I realized my mistake, so I made a payment for {$2000.00} using my checking account ending in XXXX and another payment on XXXX/XXXX/XXXX using my account ending in XXXX for $ XXXXXXXXAt this time, Citibank have attempted to process my payment on XXXX/XXXX/XXXX which made my bank ending in XXXX fine me a penalty of {$60.00}. 
Because I already made a payment as soon as I realized I made an error on XXXX/XXXX/XXXX, I did not contact Citi and I have been accessing my account and I did not receive any notification or warning of them closing my account for this reason. If I knew that they will closed my account for this reason, I should have transfer the money on XXXX/XXXX/XXXX and have them processed the payment that I made by mistake using my account ending in XXXX. 
XXXX I tried to use my Citicard ending in XXXX and it declined. 
I called Citi and I called to numerous representative and finally get through the Credit Dept Mngr who said he will send a request to reopen it and it will take about 7 business days. On XXXX/XXXX/XXXX I received a letter online saying my reopening request has been denied even if I have explained to them what happened and already made 2 payments after that for {$4300.00}. I have put all my available liquid assets/cash into paying my Citicards, now I do n't have any resources to pay my bills. Citicard did not call me to tell me that my payment did not go through on XXXX/XXXX/XXXX. We are also planning to buy a house on XXXX XXXX, so I have been paying off my Citicard every month. I have not paid interest to Citicard because I have been paying it off before my due date, to increase my credit score for my future mortgage loan. Also, they just increase my credit limit to {$8300.00} from {$6000.00} on XXXX XXXX. 
Our plans of buying a house in XXXX and my credit score will be affected by this action tremendously. How can they not re-open my account when I already made the payment, I do n't have any balance due when I made the payment in error and it is within 30days of my due date. 
Please help me to reach the Corporate office of Citi and sort this out. Please re-open my account being that I have been a good cardholder of CitiCards since XXXX. 
Thank you. 

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

Purchased some crypto currency using an address from my coinbase wallet. Horrible customer service. Still trying to get a useful response from coinbase after 25 days of repeated attempts. Case # XXXX I am not alone with this problem 100 of people accross the USA and around the world have fallen victims of this fraudulent company which has its head office in XXXX  XXXX XXXX. 
Here are some of the key players at Coinbase you can contact : XXXX XXXX CEO XXXX XXXX COO XXXX XXXX Head of Engineering Will Conder Recruitment XXXX XXXX Global head of belonging Inclusion and experience XXXX XXXX Director of Product management
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX in 2020. It was in the shop more than XXXX times for the same problem, so the vehicle went back under the AZ XXXX XXXX. XXXX XXXX paid me for the return of the vehicle. XXXX sent letters to all XXXX credit bureaus that the lease had been closed with a zero a balance. Experian is still showing the account as open with a $ XXXX balance. XXXX gave me a letter to give to Experian to have the credit report corrected.
Product: Credit card or prepaid card

This regarding dispute number XXXX. 

The purchase price for this item was {$27.00} on XX/XX/2020. I disputed {$9.00} on XX/XX/2020 due to the item not arriving within the advertised time ( was advertised expedited shipping ). and a permanent credit was issued on XX/XX/2020, although a conditional credit for dispute showed up on my transaction history and my statement. 

The seller agreed to remove the {$9.00} charge if the negative feedback I left was removed. I told her I wasn't removing it because the review was accurate. She then contacted XXXX and they removed the feedback because the item was delivered, even though it clearly was not within the advertised timeframe. The seller clearly had the opportunity to respond to the feedback, apologize for the delay, blame it on the post office, and say she was giving me a refund. She also claimed I didn't pick it up the day before. The post office never tried to deliver it the day before despite the postal history summary ; the package did not need to be signed for. The post office messed up. I have repeatedly tried to contact the post office about this problem through their website and by phone to find out why this wasn't properly delivered and I have not heard back from them. You can reference the tracking number by going to USPS,  XXXX. 

It would have made her look better as a seller than a 100 % positive rating. I'll never believe XXXX 's rating system again. 

She also replied to me through XXXX 's messaging system that my feedback was unfair and was going to be bad karma. I complained to XXXX  about removing my feedback and the seller 's unprofessional comments through messaging, and they apologized and stated they would directly address her behavior. I also filed a XXXX   report against XXXX for removing accurate feedback as well as an attorney general report with the state of California. I have had other issues with XXXX  as well much like this one. Through the XXXX, they also apologized and issued a {$10.00} credit for me to keep shopping with them. All of this is on file with the AG 's office in California. 

I have e-mailed the supporting documentation for the refund to billing disputes on XX/XX/2020. I need Citibank to be clear that this dispute was not coded as mispresented. The seller clearly offered a refund, I had to dispute the item because of her tone ( I was concerned she wasn't going to issue the refund despite the agreement ), and either way, her negative feedback was removed. I literally can not believe she tried to renegotiate a better rating for removing the shipping fee. In addition, she can clearly obtain a refund on the shipping fee through the post office.

Plus, Citibank has been terrible with their dispute process on my account, so I need certainty. 

I am including all supporting documentation. If Citibank needs additional documentation, I will get them what they need.
Product: Checking or savings account

On XX/XX/XXXX, I booked a bus ticket for XX/XX/XXXX with XXXX from XXXX, PA to XXXX, PA via their website XXXX using my Bank of America debit card. I am a frequent traveler on XXXX and I always received an immediate confirmation via email. However, I used to always pay via credit card but this time I paid via debit card and I did n't receive an email confirmation. XXXX website has no option to chat online or send emails regarding this particular issue. They do have online contact options for other issues but none for payment related. So I called the number listed on their website XXXX and spoke to a customer service rep about XXXX XXXX  on XX/XX/XXXX. He said he could n't do anything about it and connected me to another department saying they could resolve the issue. It was an IVR ( Interactive Voice Recording ) and it basically said no one is available at that time. Since my bus was for the next day, I bought the ticket again using my credit card and this time got a confirmation email immediately. In the next couple of days I called the XXXX number about 3 times only to get the IVR and I realized that this issue was going no where. So I raised a dispute with Bank of America onXX/XX/XXXX. Its Claim ID is XXXX. On XX/XX/XXXX,  Bank of America resolved the claim in the merchant 's favor and closed my claim. I am attaching 3 documents : ( 1 ) Bank of America transaction stating that the amount for XXXX was debited onXX/XX/XXXX even though booking was done on XX/XX/XXXX. This proves that the transaction never went through for 2 days and was successful after the travel date of XX/XX/XXXX. ( 2 ) XXXX credit card statement showing the amount for XXXX was credited onXX/XX/XXXX ( this is the 2nd time I had to buy the ticket since I did n't receive confirmation from the debit card purchase ). ( 3 ) Email confirmation from XXXX who process the payments for XXXX on XX/XX/XXXX XXXX XXXX for the payment done via credit card. Never got an email from XXXX or XXXX for the debit card purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

After previously filing a complaint against Macy 's for failing to acknowledge that payment in full had been made on my account, they finally admitted that I paid them. 

But they now claim that they received payment XX/XX/2022, which is the day after payment would have been due and so they are reporting my payment as late. 

Yet they cashed the check in XXXX. 

How can they cash my check before the due date and then report the payment as late?
Product: Checking or savings account

The capital one bank had a tech issues since XX/XX/year> with direct deposit and they havent been ably to fix it ever since and they dont know by when itll be fixed so now I have bills to pay and no direct deposit from them
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 

On XX/XX/year>, I provided Cashapp chat support with sufficient information on being scammed for {$230.00} on XX/XX/year>, with evidence to validate my claim including timestamps. I was not provided with adequate support and suffered a loss of that money. I was never given that money back. 

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Company states they are a collection agency/lawfirm on a student loan debt that they now are handling. Didn't provide proof or verification that the debt belongs to me.
Product: Mortgage

Hi - I am dealing with Greentree Mortgage Servicing trying to get a loan modification/deed in lieu since XXXX 2014. I have had them call me numerous times and rather than assist me, they have hung up on me when I answer the phone. I was have been sent several contradictory papers which are all very confusing. When I try to call of course my phone is traced and I go directly to the collections department and I am yelled at and hung up on. I was recently approved for a loan modification but when I called to get specifics as to how it works I was told I was approved for a 40 year adjustable rate mortgage. I asked why I was not advised of this in the beginning. The gentleman I spoke to never explained why. Several days later I received a call back explaining that was incorrect but this was AFTER the paperwork was supposed to be turned in. 
I did receive new paperwork but it had the same OLD dates on it. I called to verify that I could send in the paperwork. Again, I was only allowed to speak to XXXX my account manager after pleading to speak to someone in loan modification department. He refused to transfer me an assist me. I called back and was told my phone number was tracked. I then borrowed a phone and used it to call one of the extensions I had been left via voice mail in the loan modification department. I never to this day have received a call back. I finally received a call from XXXX and he assured me he would call me back at noon the following day since my cell phone gets no reception at work. He did not call me until XXXX. I then called him on Monday my day off. I am trying to get assistance with my mortgage payment from Green Tree but it seems as though they do not want to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX for early termination fees date being XXXXXXXX XXXX I had security deposit insurance through XXXX. XXXX was suggested and promoted to me by XXXX XXXX XXXX  apartments. XXXX XXXX XXXX XXXX reported the account to National Credit Systems , Inc in XXXX XXXX without filing a claim with XXXX. The policy with XXXX was still active. I've tried thru phone calls and certified mail ( XXXX XXXX XXXX  ) to get help with this dispute. XXXX XXXX XXXX has not responded to any of my attempts to resolve this issue. National Credit Systems hasn't helped either. Please any help is appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment on my amex account. I recently fell on hard times due to covid. I tried to pay as soon as i could. I explained to them what my issue was and they never responded
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing an updated copy of my Credit Report, it is clear that the Credit Bureuas have done nothing in order to completely remove the items I previously disputed. I sent a letter to the Credit Burueas on XX/XX/2022 with intent of having the fraudulent items be removed from my Credit File. I have read that the Credit Bureaus are required to remove any accunts and information that a consumer identifies as an item incurred due to Identity Theft. The items I am disputing do not relate to any transaction that I have made or authorized, neither did I received any benefits from the theft. I am submitting this complaint in hopes that the Credit Bureuas woulkd eventually take action and have the items investigated and removed from my Credit File. The following items must be removed from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

On XX/XX/year> I mailed an initial dispute to Westlake Financial disputing the total amount due on a vehicle that was in an accident. This vehicle was totaled and it was PAID IN FULL by the insurance company. This account is being reported with a balance and being reported as being LATE over 59 times. At the time of my initial dispute, I requested more information on how their company is coming up with this balance due. This company failed to respond. I then sent out two additional disputes, one on XX/XX/year> and another on XX/XX/year>. Each request has gone unanswered. This company is still reporting inaccurate information to my credit and they are violating my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE FOLLOWING FRAUD ADDRESSES AND ACCOUNTS FROM MY CREDIT REPORT TODAY : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

US BANK has a collection on my XXXX credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belong to husband. I have also communicated this information with this company. This debt does not belong to me
Product: Checking or savings account

Issues with linking my account to outside company with XXXX. This is a known issue and they just give their customers the run around about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX  XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid