23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF FINANCIAL INC / LEA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear SELF FINANCIAL INC / LEA, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request.

As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication.

Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 

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

I have an account with Coinbase.com and I once made a XXXX dollar order for Bitcoin, the order was in virtual transit ; however no later than five days later, I learned that my order was cancelled and Coinbase would no longer allow me to make purchases, deposit, withdraw, or sell any of my assets. This particular issue has been solved by Coinbase support, but on the other hand - they have failed to reinstate the bank account I had on my account so I could make larger investments ; I have waited about an hour and a half so far as I am typing this complaint to speak with a customer representative who could be working with me to solve this issue. As I do n't see a resolution on the horizon anytime soon with their phone support, or support system on their website, I would hope something could be done just to simply reinstate my formerly linked bank account onto my Coinbase account.
Product: Checking or savings account

On XX/XX/2024 I used my debit card to pump gas at XXXX XXXX in XXXX California with a total amount of {$73.00}. Five minutes after I pumped gas I received a call from my Chase Bank stating they were able to see that my card was being fraudulent use. They were calling me to confirm if I was aware of this. I told the representative that I didn't feel safe give specific information over the phone, because I didn't not recognize the XXXX number and that I was going to call my bank. Right away I called the Bank and I was looking at my bank statement when all of the sudden I started to notice that I was being charge for multiple transaction. 
List of Transaction in less than 5 minutes XXXX XXXX  XXXX XXXX XXXX XXXX  {$74.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  {$74.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$74.00} XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  {$74.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$74.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$16.00} XXXX XXXXXXXX XXXX  {$120.00} With a total of {$510.00} deducted from my Debit account. 
The Representative told me that they were going to conduct an investigation. I told them if they wanted me to file a police report because it was not fair and any other person could be a victim. They told me not to worry that they will take care of the investigation. 
Today XX/XX/2024, I received a letter from the Bank stating that " We found that the transaction ( s ) was processed according to the information provided or was authorized '' they said because I used my debit card and because I used my PIN. 
as a result we are removing from your account {$510.00} from my account on or after XX/XX/2024. 
After I reviewed the letter I called my Bank, and they said that there is nothing they could do because I used my PIN and they are blaming me or any other family member of using my card to make the above mention transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern upon checking my credit report on XXXX, Transunion, and XXXX XXXX I noticed some inaccurate credit reporting on the accounts as follows ; Transunion : 1. ( XXXX XXXX XXXX ) 2. ( XXXX XXXX XXXX  ) Please verify accounts information accuracy by providing the following documentations as follows ; 1.Balance history 2. Credit Insurance 3 . Interest rate disclosure 4. Payment history 5. Payoff disclosure 6. Original contract Please provide all documentations to insure accurate information regarding the above accounts if unable to provide documentations kindly delete inaccurate accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX, XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern about the inaccurate representation of accounts in my consumer report. It has come to my attention that I never provided written consent for the inclusion of these accounts in my report, which, in my belief, constitutes a breach of my rights as outlined in 15 USC 1681b. This breach specifically relates to safeguarding consumer information and the essential requirement of obtaining consent prior to reporting it. 

I've already initiated a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, which is XXXX. Furthermore, I've made multiple attempts to request the removal of these entries from my report, only to receive unsolicited documents from the creditor. My grievance is aimed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly block the reporting of any information in a consumer 's file identified as originating from suspected identity theft. In light of this legal obligation, I respectfully request your prompt action in removing the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Requesting Removal of Unauthorized Inquiry XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX - Inquired on XX/XX/ Your prompt attention to this matter is greatly appreciated, and I trust that you will act in accordance with the law to rectify this situation promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a hard working citizen of this country that is being punished for mistakes ive made when I was much younger I can not even get a decent place to rent. I have been working on my credit since last XX/XX/2018 and my score goes up to about 600 then descends vastly overnight as soon I apply for a mortgage. How am I supposed to get a lender to approve when my score drops 40+ points overnight? This has happened to me several times recently so I'm accruing hard inquiries without being taken seriously. I need help I'm struggling my landlord is selling the home we live in and I can't purchase that property and cant even rent an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

The initial phone call was bullying. This woman XXXX XXXX was just bullying which defies logic. She would not even let me talk. i hung up because it was so unprofessional. The entire conversation was threatening. i was n't even disputing the debt. She billed me for the wrong amount ( see attached letters faxed to me just to embarrass me ) and proceeded to call every day leaving messages that obviously told other employees my business. She then proceeds to fax threating letters to another business.i have been sent via fax, intentinally trying to embarrass me. Today XX/XX/XXXX they had another rep. call me. I explained to him my experience he apologizes and then escalates the conversation into an unnecessary bullying match. i finally said what is wrong with all of you. i sent a payment to the company i confirmed it on the XXXX. Then the fax another threating letter after confirming and then called me again today. He gets angry because I told him i will not send payments to them. I will send directly to the client. He goes ballistic and said I will put this on your credit report and report you as combative and refuse to pay. This is harrassment. i have XXXX different letters with XXXX different amounts. NONE ARE CORRECT!! THESE PEOPLE ARE BULLIES. WHY WOULD YOU BULLY SOMEONE WHO IS PAYING AND NOT DISPUTING THE DEBT?
Product: Debt collection

In XXXX of 2021, I was surprised to receive a credit alert that indicated that the collections agency, Firstpoint Collection, had placed an amount of {$52.00} on my XXXX credit report for an apparent outstanding fee for car insurance with XXXX XXXX XXXX. 

Previously I had my car insured with XXXX XXXX, but had switched to another insurance company. Apparently because I changed insurance companies after the monthly due date, there was a prorated charge of {$52.00} that I now owed to XXXX XXXX. Neither Loyalty XXXX nor XXXX XXXX made any attempt to contact or notify me via any means of communication, prior to them placing the collection amount on my XXXX credit report. At the time, that alert caused a drop in my credit score of over 50 points. 

I got the credit alert on a Sunday, the very next day I contacted both Loyalty XXXX and XXXX XXXX, to express my disappointed at their total disregard for a persons credit history. XXXX XXXX took my payment and assured me that the collections would be removed from my credit report. 

When that didn't happen, I contacted XXXX and requested that the collection item be removed. My argument at the time was and still is, this was not a credit transaction, neither was I made aware that the debt existed, nor was there any effort made to collect the debt before the collection was placed on my credit report. I was assured the collections would be removed, but only the amount was changed to reflect a XXXX balance. 

I recently completed an application for a mortgage, only to realize that because of the presence of a collection transaction on my XXXX credit report, there is a difference of over 40 points between my XXXX mortgage calculated credit score and the XXXX, with an even greater disparity with XXXX. 

All this occurred because i wasn't informed that I had a balance to pay and despite my best efforts to have the situation resolved once I became aware of it..
Product: Credit card

I have made dozens and dozens of calls to both Citibank andXX/XX/XXXXto try to get this resolved. 
I am owed {$730.00} by Citibank for a plane ticket I purchased on my XX/XX/XXXX Citibank credit card. AA inadvertently cancelled this ticket on XX/XX/year> for suspected fraud. 
My {$730.00} charge was credited back to me as a result. 
I then called Citibank and asked them to send the payment of {$730.00} thru a second time for the ticket since there was no fraud and I had made this purchase. 
I paid a {$730.00} payment to Citibank for this plane ticket in XXXX, 2024. 
Sometime in XXXXXX/XX/XXXX had cancelled my ticket due to the suspected fraud and never received the second payment of {$730.00} from Citibank. 
I have no idea where this money went. 
The plane ticket attached to the {$730.00} payment was null and void by XX/XX/XXXX in XXXX, 2024 and these services were not rendered. 
XX/XX/XXXX did not advise me of the cancellation and I didn't learn that my ticket had been voided until XX/XX/XXXX, when I attempted to check-in for my trip to XXXX on XX/XX/XXXX. 
XX/XX/XXXX has denied my claim ( see letter attached ) because they did not receive my {$730.00} payment. 
Citibank denied my claim in XXXX 2024, stating that I had been credited the {$730.00}. But this was incorrect. You only need look at my XXXX statement ( attached ) to see that I was charged {$730.00} TWO times. One charge was credited back but the second charge of {$730.00} was NOT. 
I have been trying since XXXX to get my appeal reopened to resolve this. I have attached voluminous records to this complaint. 
I'm tired. I need the {$730.00} refund. Not only have I been out this money since XXXX, 2024, my vacation to see a dear friend in XXXX was cancelled. My ticket was VOID and UNUSED. 
Please help me. I call Citibank ever 2-3 weeks ( since XX/XX/XXXX ) and each time am assured that this matter will be resolved.

It's not rocket science. I just need someone to take 60 seconds to see that I was charged a 2nd time for {$730.00} for a void ticket. 
Please someone help.
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I just got off the Phone with Select Portfolio, they informed me that the Mortgage account has been referred to an Attorney for foreclosure. Select Portfolio refuses to accept my Loan Modification request as a Servicer in the State of Georgia they are obligated to. 

Also, this is a XXXX XXXX and I never agreed to this with XXXX XXXX. I was paying only {$120.00} to my principle of {$990.00} and rest to investors Select Portfolio and XXXX willfully delayed my Loan Modification till XX/XX/2018, knowing XX/XX/2018 will be the expired date to stop Banks or Loan Servicers to be mandated to provide a Loan Modification. 

XXXX has taking advantage of me by committing the same mortgage scam that got them in trouble during the Real Estate crisis
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE NOT MINE!! 
WANT THEM REMOVED ASAP.
Product: Payday loan, title loan, or personal loan

I had a conversation with the XXXX XXXX located at XXXX XXXX last XXXX XXXX in XXXX to get my glasses supposed to be, however I declined because I felt I was being ripped off, a pair of glasses worth {$720.00} despite the fact I had an insurance coverage deductibles worth XXXX. The lady had signed me in a credit line for an installment plan, she said its like a credit card, no need to worry because its an installment plan and I said ok but I did not authorize her to make any payment because per agreement I have to give her my prescription before the order will be conceived. And when I went home I called my insurance to ask for a second opinion since this is my first time to deal with my eyeglasses with respect to insurance and my insurance said that it was too expensive so I called the other day to inform XXXX that I am not going to continue with the said transaction, I even sent an email to them to cancel it because I can't afford it but unfortunately they did not reply.To summarize after few days, I receive a bill from synchrony bank ( care credit ) regarding eyeglasses, so I called the customer service of care credit synchrony I told them that I did cancel the transaction from XXXX XXXX. And the customer service said that they already filed a dispute regarding my transaction so no need to worry. A month after I received a bill again from synchrony and I called again, I told them why I am receiving a bill? I had no purchases. I thought you have already taken care my issue, I said to the customer service. So they told me again they already escalated the issue and there is nothing to worry about. Again another bill came to me this XX/XX/2019 this is the fourth bill, stating that I had to owe them something. I told them I am going to file a complaint because they did not take my concerned seriously. It gave me a stress every time I receive a bill from them bearing the fact I don't have to owe anything. I feel I am being ripped off of these two companies to let me pay for nothing. I called them to and pro but nobody has taken care of my issue what matters to them is the money they can get from me. I really want to resort to file a lawsuit for giving me a stress and worrying about my credit score. I am hoping that someone can help me resolve my issue. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report on XXXX and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX BK which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.
Product: Money transfer, virtual currency, or money service

I have sent {$360.00} to a PayPal user : XXXX to send an item : XXXX XXXX XXXX XXXX XXXX XXXX and I waited to ship it but he didn't ship to me. I opened a PayPal dispute which I thinked that I will receive my item but even this person may have marked as shipped, I didn't received it. I have opened too many requests on PayPal but I still didn't get my full refund. This person which I sent my money doesn't refund me.
Product: Credit reporting

I have found a total of XXXX accounts that I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, never signed a contract nor do i owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XXXX that they would adjust, but nothing for the XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the listed accounts below have violated my federally protected rights of privacy and confidentiality under 15 USC 1681- s2 ( a ) ( 1 ), 15 USC 1681-s602A, and the FCRA reinsertion law . A entity shall not furnish any information relating to a consumer to any CRA if the entity has reasonable cause to believe the information is inaccurate. I have disputed the said accounts numerous times due to the invalidity and inaccuracies. The accounts were removed only to reappear weeks later. According to the FCRA new reinsertion law, it prohibits credit reporting agencies from reinserting account information that has been previously disputed and removed from the consumer 's reporting file. " Notice to Consumers '' .If a consumer disputes leads to negative information being removed, it can not be reinserted without first notifying the consumer in writing within 5 business days after reinsertion.I have yet to receive any correspondence from the CRA's.I ask these accounts are removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX  account was paid in full and collection agency agreed to delete and remove this account from my credit report upon receiving payment. This account still shows I owe a balance and has not been deleted from my credit report.