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

XXXX XXXX XXXX XXXX XXXX Contacted them they were unable to verify the debt, they said reach out to Experian to have them delete the item from my credit.
Product: Credit reporting, credit repair services, 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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX who was handling the account for them. The company said they updated them but still shows XXXX
Product: Checking or savings account

On or about XX/XX/XXXX I noticed a discrepancy between my balance on deposit and " Available Funds. '' Upon calling Citibank, I was given no information. When I visited a branch in person, I was finally given a phone number to call the California XXXX XXXX XXXX. Citibank would yield no information ( nor did the associates to whom I spoke have any, as this is a legal issue- though I was not directed to the legal department nor can I seem to be able to contact them ), and I was unable to gather information from the XXXX ( the XXXX time I was able to get a call back, that is -- most times I would call and their lines were too busy to accept any calls or call backs ). 

On XX/XX/XXXX, {$3200.00} was withdrawn from my account along with a {$120.00} charge for legal processing. On XX/XX/XXXX, I received a letter ( via ordinary mail ) from the XXXX via Citibank with a Notice Date of XX/XX/XXXX. This letter was addressed to my father, who is a joint owner of my account since I opened it as a minor nearly 20 years ago. I have since learned the tax due has been disputed numerous times and is firmly believed to have been paid. However, for XXXX reason or another this was the account the XXXX chose to place a lien upon this account. 

While I understand Citibank has no say or impact on the ongoing tax dispute, the lack of and refusal to provide information during the period of several months during which my funds were on hold and then withdrawn is absolutely unacceptable. It seems the notice was held until the funds were actually withdrawn. There is a 90 day period to dispute this action, and nearly XXXX of those had elapsed before I received it. 

Furthermore, I must add : on my accounts overview my balance on deposit would be shown rather than my available funds -- this led me to unwittingly have an insufficient balance to pay bills in several instances, resulting in late and interest fees. 

After a long tenure I will be closing my Citibank accounts, but I would still like an explanation for why it took approximately XXXX weeks for Citibank to deliver a notice for funds being withheld. This is a XXXX injustice that I hope will not be experienced by others.
Product: Credit card

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : CFPB Case XXXX CreditAccount Number Ending in XXXX XXXX XXXX : On behalf of Synchrony Bank, I am responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ) . I appreciate you bringing this matter to my attention.I sincerely regret any dissatisfaction this matter may have caused you. Your concerns are important to us, and we strive to serve our customers in a timely and satisfactory manner. Synchrony Bank has complied with the terms of the PayPal Credit account. Therefore, your request fordebt forgiveness has been denied.The last payment Synchrony Bank received was on XX/XX/XXXX for {$13.00}. On XX/XX/XXXX, your PayPal Credit account was charged off as a loss in the amount of $ XXXX a result of non-payment. We understand certain circumstances may prevent our accountholders from fulfilling their minimum payment obligations. Additionally, we remain compassionate and understanding to the needs of our customers, and we will work with you directly in order to resolve your financial situation. If you wish to discuss customer assistance plans available to you, please contact our recovery department at ( XXXX ) XXXX.Alternatively, you may also have the option of utilizing a consumer credit counseling service ( CCCS ) . A CCCS is a non-profit community organization supported by voluntary contributions made by participating area businesses. A CCCS helps consumers who need advice on how to handle money, develop a budget or use credit wisely. These services are strictly confidential. CCCS counselors are professionals trained to help people deal with consumer credit problems. Customers can locate the nearest CCCS office by calling ( XXXX ) XXXX or visiting XXXX you for the opportunity to respond to your concernsraised through the CFPB. If you have additional questions regarding this matter, contact me at ( XXXX ) XXXX, extension XXXX. I welcome the opportunity to assist you.Respectfully, XXXX XXXX Senior XXXX Corporate ConsumerRelationsSynchrony BankAttn : IID XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Consumer Financial Protection Bureau
Product: Money transfer, virtual currency, or money service

******************URGENT***************** Hello, I joined Gemini last month. I use the account to purchase crypto currency. The account has had small but steady growth. I recently moved Ethereum from my Gemini account to a XXXX XXXX XXXX. I only mention this because that's the only recent changed. I also always log into my account from my phone or home computer. Both VPN protected. 

Out of the blue yesterday, I went to log into my Gemini account and discovered IT IS FROZEN. For no reason, with no explanation. I have since followed the steps twice to have my account unfrozen. All to no avail. No response from customer service. No urgency to correct the situation despite me not having done anything wrong... Other than possibly using Gemini as my custodian. I never have this problem with XXXX. 

Please help. This is time sensitive. I'm interested in using my funds to mint XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

M & M credit is reporting an account that does not belong to me of {$150.00}. I called this company and have never done any business with them. I have no knowledge of this account and it is negatively impacting my credit worthiness. Stop reporting this information to my credit bureau 's.
Product: Credit card

I have a PayPal credit account, in which the terms are, no interest on purchases of $ XXXX if they are paid off within 6 months. In XXXX, I was notified that I'd be charged interest on the full purchase amount from a vendor ; I knew that was wrong because I had already returned a portion of that purchase. I contacted customer service, they said I was right, they hadn't applied the return to that purchase, and so they would escalate it and have it fixed by the time my bill was due. That day came and went, and they did charge me the interest. I called customer service again, and I was told that the last representative hadn't fixed it, but now it would be fixed. Now it's almost XXXX and the interest is still there. I've contacted them XXXX separate times about this. I would suggest to anyone with paypal credit to comb through every statement, they don't seem to know what they're doing, and they try to find tricky ways to make money.
Product: Mortgage

Lakeview Loan Servicing LLC./XXXX XXXX failed to pay our homeowners insurance which is wrapped up in our mortgage. I called the insurance company, XXXX, to inquire and they advised that they had not received payment which was due on or before XXXX. 

On XX/XX/2020 I received a cancellation notice from XXXX due to non-payment. The cancellation date was XX/XX/2020 at XXXX XXXX. 

On XX/XX/2020 I received a reinstatement notice from XXXX advising that the policy had been reinstated, they received payment and were backdating policy to XX/XX/2020. 

On XX/XX/2020 I received a letter from XXXX/Lakeview advising that we failed to keep a homeowners insurance policy on our home and therefore they will insure our property through a company of their choosing and we will owe them money. 

Clear one side of this company does not know what the other side is doing as they are the entity that paid our policy but are now telling us we do not have a policy. 

This company is one of the most incompetent I have ever dealt with. I am frustrated that I have to take my time to deal with issues like this when it could have been avoided had they paid the policy on time.
Product: Debt collection

My name is XXXX XXXX. There is a Account from allied some type of collection bureau reported to XXXX in my credit report my social security number or none of my personal information was provided to this company I dont know what was used to verify that this account belongs to me this account doesnt belong to me and I havent received anything in writing and this debt isnt mine. Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX accounts with Experian that were paid off XX/XX/2020 ... after payment account is still showing on my profile and the original loan is way over the statute of limitations ... Experian changed the account to show in collections XX/XX/2020 after it is paid off and should be removed from my account because of federal law
Product: Money transfer, virtual currency, or money service

I have 2 transactions I'm reporting. The first is a fraudulent transaction for a hotel in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  made at XXXX XXXX  and a special request for XXXX large bed. Total {$590.00}. I was actually at a different hotel that weekend with XXXX kids and my friend. I can not be 2 places at once so it doesn't make sense to have two reservations for two different hotels at the same time also there was 6 of us so the request for 1 large bed is absurd. Several points which I provided to cash app multiple times. I also provided them with proof of the hotel I was ACTUALLY staying at. I reached out to cash app immediately upon discovery of the fraudulent transaction trying to get them to stop/reverse sale/cancel on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The withdrawal of this money has left me in the negative of over XXXX dollars for many months along with the numerous overdrafts I had to pay for transactions made from a negative account. Cash app has given one excuse after another and now they are denying my dispute saying it's been too long to deny the transaction! I've been trying to get this resolved since the DAY AFTER THE TRANSACTION WAS MADE! I haven't been able to get anywhere with them! I have all of the correspondence between myself and cash app to back up my statement as well! Also I was scammed by a fake website posing as a XXXX XXXX  out of {$59.00}. as soon as the transaction went through and I saw the email address I knew something was wrong so I immediately contacted cash app to void the transaction which they told me they couldn't do anything until the merchant closed the sale even after telling them it was a scam! I recently got in contact with the scammers by email and they kept stringing me along which I provided to cash app as well but they denied it too also claiming it was too late to do anything even though I had been trying to resolve this since XX/XX/XXXX! Cash app did not investigate my claims although they claimed they did but if they actually did there would be no way they could deny there was fraud involved. I'm just leaving an abusive marriage where I almost lost my life and have no income yet and I need this money back desperately! I trusted cash app with my money and they screwed me over and refuse to accept responsibility for anything! You are my only hope!
Product: Credit card or prepaid card

On XXXX XXXX charged my chime credit card for a pre authorized hold of resort charges. These fees were already paid and Ive provided documentation showing both that they were paid with another card and shouldnt have been charged along with documentation showing this to chime. Ive answered multiple calls and emails and sent in all the documents they requested that clearly shows that I shoood not have been charged {$120.00} and the funds should be returned to me. Im still sitting here 4 weeks later almost and no reply and finds still being withheld. I like chime believe they are a good bank but this isnt ok
Product: Debt collection

I have been attempting to resolve this debt with XXXX XXXX to no avail. I just spoke to the company rep. and was prepared to pay the bill in full if they removed the entry from my credit report due to them not sending any notification. The young lady I spoke to advised me that they didn't have a forwarding address and that's why nothing was sent. She continued by stating 'they don't do deletions ' but would mark it as paid with a XXXX balance. I asked her again to work with me and she said she would not delete the entry and couldn't assist me with this any further. I filed a report with the cfpb last month and that case number is XXXX.
Product: Money transfers

never received first cardss : XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a pressing issue regarding the failure of the credit bureaus, particularly Experian, to promptly investigate and update me on the status of my dispute letters, which were submitted more than 30 days ago. The dispute letters were intended to address inaccuracies on my credit report, and despite the lapse of the legally mandated investigation period, there has been no resolution or communication from the credit reporting agencies. 

On XX/XX/XXXX, I submitted dispute letters to Experian concerning certain accounts on my credit report that I believe contain inaccuracies. To my dismay, despite the 30-day window stipulated by the Fair Credit Reporting Act ( FCRA ), I have not received any updates on the status of the disputed accounts from Experian or the other credit bureaus involved in the dispute process. 

To compound the issue, I engaged in a conversation with a representative from Experian on XX/XX/XXXX and XX/XX/XXXX, during which they confirmed the receipt of my dispute letters. Shockingly, the representative disclosed that the disputes had not been entered into the system for investigation. I have meticulously recorded this conversation and can provide the recording as evidence. 

As per my understanding of the FCRA, if accounts are not investigated within 30 days of a dispute being entered, they must be promptly removed from the credit report. It is deeply concerning that this mandatory investigation period has been exceeded, and the credit reporting agencies have not adhered to their responsibilities under the FCRA. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that my rights as a consumer are protected. I seek your assistance in compelling the credit reporting agencies, especially Experian, to promptly investigate the disputed accounts and provide me with the necessary updates on the resolution
Product: Debt collection

Portfolio Recovery repeatedly calls my phones number. Every time I block their phone number, they call from a different number. They have called me over XXXX times.
Product: Credit card

Issue with Ctibank which services Macy 's credit card On XX/XX/23 I called in a payment to Citibank in the amount of {$6100.00} using a Citizens bank check. On XX/XX/23, I mailed the same check by Priority mail after learning from Citizens that the bank check could only be processed in a physical format. On XX/XX/23 my Macy 's online statement showed a return check charge for {$30.00}. I called Citbank and spoke with rep XXXX who adjusted the return check charge. On XX/XX/23 my Macy 's online statement showed a balance of - {$12000.00}. I called Citibank and spoke with rep XXXX, then supervisor XXXX, then mgr XXXX who all verified the physical check was received on XX/XX/23 and was cashed on XX/XX/23 but they would hold both my return check and the physical check until XX/XX/23. They charged both payments against my account and would not apply the payment until XX/XX/23.
Product: Checking or savings account

On XX/XX/2020 I received a notice to activate my XXXX debit card along with a debit card in my name. 

Problem is that I never signed up for this service nor have I heard of this company until today. 

I looked the company up online and found a telephone number associated with them that was not the telephone number on the literature in the envelope requesting me to activate my card. 

The representative required me to provide personal identifying information and I declined multiple times. I told them I would provide them with the card number in the envelope and my name and address and that was it. I would not give a " banking '' company I never heard of or solicited for service my DOB or SSN. 

He then told me that he would escalate my issue to his fraud department and that it would take 10 business days for someone to contact me concerning the fraudulent card. Which means that I had to provide my personal telephone number and email address to a banking company with whom I do not do business with. The Fraud Department would only contact me via email that there would be no way for me to proactively contact them. Meanwhile, the account would stay open and potentially be used by whomever it is that is trying to steal my identify. 

According the XXXX the gentleman on the phone I spoke with at XXXX, this is the procedure and there was nothing he nor anyone else could do to to hasten the process. 

When I told them I would be filing a complain with CFPD, he placed me on a prolonged hold - in excess of 10 minutes. They advised me to not file the complaint with the CFPD and instead wait for the fraud department. 

The reference number for my phone call with XXXX aka MoneyLion is XXXX. The call occured on XX/XX/2020 and started at XXXX ET and ended at XXXX ET. The number I called ( which I obtained from XXXX since they are an independent credit monitoring company ) was XXXX. 

The telephone number on the literature I received was XXXX. The literature is slick and looks exactly like something I would receive from a bank that I do do business with. There is a direct deposit slip attached to the literature encouraging me to set up my payroll direct deposit. The company I work for is not affliated with this company and I've had direct deposit set up through my employer for over 5 years. The card is a white card with branding and a chip on the front. The rear of the card contains and account number, expiration date and security code. 

It says that the card is issued by XXXX, Member FDIC and licensed by Mastercard.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian. 
I called to request help trying to get my freeze removed as I am applying for a mortgage. 
Since I didn't have my PIN number, I was told to send a letter requesting that my freeze be removed as it might be faster than waiting for them to send me a new PIN number. 
I sent a letter as they instructed while also paying for an overnight delivery. 
I called them a few business days later and they told me that they had no record of receiving my letter even though I had it tracked and was shown it was received.

Three more times over the next two weeks I called Experian and was told the same thing.

On my fourth attempt for help, I was told that I was going to be put on with a " supervisor '' to help me. On this call and over my next three calls for assistance, they merely put me on hold and after over 30 minutes of waiting each time, I eventually had to hang up.

Finally, I called yet again and requested a PIN numbe
r be sent to me. I had to wait about a week to receive it all the while trying to explain the hold up to my mortgage company who couldn't process my mortgage application without, of course, checking my credit.

After receiving my PIN number in the mail and removing my freeze ( after about four weeks of trying ), I simply can't believe this outrageous business practice is allowed to go on, especially since the other two credit agencies were simple and a pleasure to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT OF ED Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX  Equifax : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed XXXX  : XXXX, XXXX HOSPITAL Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX XXXX. XXXX  : XXXX, XXXX XXXX  : XXXX XXXX : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXXEquifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX.