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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$5000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$26000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$27000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX BANK Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Collection account from XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX  XXXX XXXX  XXXX XXXX  I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please reinvestigate these matters and delete or correct the disputed information.
Product: Debt collection

I was contacted by Fair Collections & Outsourcing FCO around XX/XX/XXXX and informed that an account ( XXXX ) was in their office 30 days and actively being reported to the Consumer Credit Bureaus as a collection account on my report and the actions would continue until I paid Fair Collections & Outsourcing {$5000.00} for an account involving the XXXX XXXX. 
I provided written dispute to FCO on XX/XX/XXXX requesting FCO cease collection and reporting activity according to FCRA regulations. 
Following communication with XXXX XXXX I pursued legal advice and filed Small Claims Hearing, learning the limitation of Small Claims I reconsulted and began retainment of legal representation to attain judgement and damage recovery. 
I submitted disputes to the Credit Reporting Bureaus regarding the Fair Collections & Outsourcing account but continued to be negatively impacted by the presence of the collection account. 
Te date request for debt verification request remains unfulfilled and the collection account continues to be reported which has caused me to be disqualified for housing. XXXX XXXX has reported an invalid amount intentionally withholding substantiating dialogue. 

Fair Collections and Outsourcing continued attempts to collect and report a debt with a financial gain incentive, without proper investigation, documentation or adherence to Federal regulations and intentionally caused severe damage to my livelihood and well being in effort to collect debts without basis to assert this action to my knowledge, my requests for debt verification are unfilled. FCO states on XX/XX/XXXX that my dispute with the Credit Bureaus has limited their ability to provide a debt verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've attempted to freeze my credit record as recommended due to the recent Equifax data breach. 

I 've attempted by phone : By phone : XXXX ( NY residents please call XXXX ) and I 've attempted by website : https : //www.freeze.equifax.com Both avenues proceeded to collect all require data and after having gone through the process, attempt to submit and fail submission of the data. Why they collect data and then fail as opposed to informing others that their system is DOWN is beyond annoying and wasting time. 

Both processes suggest to 'try again later ' which I have and both failed on second attempts after once again going through the process of collecting data.
Product: Debt collection

I am being sued after this cased been dismissed by XXXX XXXX XXXX XXXX. Thsi debt was sold to a collection agency. Also, this is more than over 4 years ago, so this debt is at it's statue limitations. Also, the XXXX XXXX, filed fake affidavit againsted me.
Product: Credit card

On or about XX/XX/XXXX or XXXX XXXX XXXX, I received an email and link for a Chase XXXX XXXX credit card that states XXXX XXXX XXXX  Status and XXXX bonus points XXXX  XXXX XXXX XXXX through XX/XX/2024 upon account opening* and earn XXXX bonus points after you spend {$3000.00} on purchases in the first 3 months from account opening. * This product is available to you if you do not have a current XXXX XXXX XXXX Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to XXXX XXXX Credit Card products. 
Earn {$100.00} and XXXX Bonus Points Earn a {$100.00} statement credit and XXXX bonus points after you spend {$20000.00} on purchases each calendar year. * The offer terms however state : Automatic XXXX XXXX XXXX XXXX  Status : As an XXXX XXXXXXXX XXXX XXXX  credit cardmember, you qualify for automatic XXXX XXXXXXXX XXXX XXXX XXXX status through XX/XX/2024 and, thereafter, automatic XXXX XXXX XXXX XXXX XXXX  status for as long as you remain a Premier credit cardmember, and as long as your XXXX XXXX Rewards membership account remains in good standing. Please allow XXXX to XXXX weeks after account opening for the automatic XXXX XXXX status to be applied to your XXXX XXXX XXXX account. 

It is noteworthy that the plain XXXX in the offer email says XXXX status upon account opening but in small print offer terms in a secondary link in the email says to allow XXXX to XXXX weeks AFTER account opening. 

In this case we have XXXX email, Chases offer on its own website saying the XXXX  status is upon account opening and yet in the secondary link to offer terms the XXXX  upgrade offer ends up really being XXXX to XXXX weeks after account opening/approval rather upon account opening/approval as marketed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  up until a few days ago where it said : ( removed zip code and soliticization ID from this link ) XXXX XXXX XXXX Status and XXXX bonus points XXXXXXXX XXXX XXXX Status through XX/XX/2024 upon account opening* and earn XXXX bonus points after you spend {$3000.00} on purchases in the first 3 months from account opening . * Really feels like a bait and switch. Chase and XXXX had the choice to market this XXXX benefit as being applicable within XXXX to XXXX weeks of account opening, but instead they jointly marketed the XXXX benefit as being applicable upon account opening.
Product: Mortgage

I have had the worst experience with lakeview loan servicing. they took over our mortagage servicing in XX/XX/2019, I have always made my payment on time, however the XX/XX/XXXX payment although taken from my account and cleared XX/XX/2019 never made it to my account. I have had repeated phone conversations with them and for the first two months they claimed they did not have enough information. After doing research myself we found with assistance from my bank that the last four numbers of my account number had been transposed and it went to some other account. now I do not type in my account number when I pay my mortgage. and I do not ask anyone to draw the funds. So a third party was involved and we contacted them and they provided the proof of payment on the wrong account which I forwarded to lakeview. I thought that was problem solved. wrong to this dayXX/XX/2019 they payment has still not been credited and I have had bad reports to my credit and constant harassing automated phone calls from this company. my last contact was XX/XX/2019 and I insisted that I need to talk to a manager. His name is XXXX and he assured me that this problem was to be cleared up the very next day and that late charges would be refunded. logged in to pay my mortgage this month to the 30 day late notice again. they have been taking the current payment and crediting it to the previous month so I am always 30 days late even though they have already gotten the payment I XXXX. I do not know what else to do its like talking to the wind. I have had more than 20 phone calls and numerous emails for this problem to no avail.
Product: Money transfer, virtual currency, or money service

For almost XXXX weeks I'm not able to access my XXXX account, because I did a transfer of some stock to another trading platform. They requested bank statement for XXXX, XXXX ID, XXXX verified my identity, which i sent. They said they would do a follow-up phone call, I spoke to a representative who told me she would forward the information and they wil resolve the issue within XXXX hours. I went on the portal and was told to submit XXXX bank statement, which i did. Again it said I would receive a meesage to request a phone call, however the request button does not work and every day i click on contact customer support, keep getting push and day ahead
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 Re : Account XXXX. XXXX ( XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX XXXX  ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ), has violated my rights. 

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

15 U.S.C. 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. 1681 ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My home was purchased in XXXX of XXXX through a lending company called National Asset Mortgage XXXX ( XXXX XXXX ). The original loan balance was XXXX. This was my first time buying a home, the interest rate is 9.9 % and number of months ( XXXX ) ; which is considered predatory lending given the factor that in XX/XX/XXXX the home value was {$9900.00}, {$13000.00} in XX/XX/XXXX and XX/XX/XXXX XXXX. Ive paid a total of XXXX into this home, requested a pay off and its still showing a remaining balance of {$29000.00}. Im in XXXX school and this has been a stressful situation on behalf of myself and my family. I was told by an attorney to file a complaint and reach out to the CFPB before taking any legal actions to see if the company can resolve the issue. The loan balance after paying mortgage for XXXX yrs has only decreased by {$2200.00}. I really need you help this is unfair and has caused a lot of anxiety and XXXX!
Product: Checking or savings account

Below is a list of charges that was withdraw from my checking account without my consent and without warning from CHASE BANK. These transactions were unauthorized and against my will and it took over a month for CHASE BANK to alert me of these transactions going on. Yet after this and after I went through the proper procedure and " investigation '' with CHASE BANK they refuse to return my money. I have not spent almost a year searching for a way to get my money back which leads to today XX/XX/XXXX. 

-- Transactions list -- XX/XX/XXXXXXXX XXXX XXXX {$81.00} XX/XX/XXXX XXXX- {$30.00} XX/XX/XXXX XXXX- {$42.00} XX/XX/XXXX XXXX- {$100.00} XX/XX/XXXX XXXX- {$45.00} XX/XX/XXXX XXXX- {$91.00} XXXX XXXX- {$500.00} XXXX XXXX XXXX XXXX- {$2.00} XX/XX/XXXX XXXX- {$100.00} XXXX XXXX- {$1000.00} XXXX  XXXX XXXX XXXX- {$2.00} XXXX {$39.00} XXXX- {$610.00} XXXX  XXXX  XXXX- {$9.00} XXXX XXXX  XXXX XXXX- {$620.00} XXXX- {$640.00} XXXX XXXX- {$110.00} XXXX- {$2.00} XXXX XXXX- {$2.00} XX/XX/XXXX XXXX XXXX {$530.00} XXXX XXXX- {$75.00} XXXX XXXX {$19.00} XXXX XXXX XXXX- {$170.00} XXXX  XXXX- {$800.00} XXXX XXXX- {$7.00} XXXX XXXX- {$4.00} XXXX {$1100.00} XXXX- {$590.00} XXXX- {$7.00} XXXX- {$160.00} XXXX  XXXX XXXX XXXX XXXX- {$6.00} XXXX- {$88.00} XX/XX/XXXX ( when I was finally alerted ) XXXX XXXX XXXX- {$26.00} XXXX  XXXX  XXXX- {$100.00} XXXX XXXX XXXX- {$200.00}
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00}
Product: Money transfer, virtual currency, or money service

Please note that I was scammed by Fraudulent Company under the name of XXXX Coinbase proceeded with the payments to this Fraudulent Company and in return I lost XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive asked multiple time for the original contract and have not received it.
Product: Credit card or prepaid card

I called Synchrony/Care Credit serval times the first time was on XXXX XXXX to ask them to make my statements electronic because I have been having issues at my address with someone going in my mail box I do not always receive my mail. The representative said that the statements would be electronic and I would receive them that way, the following month which was XX/XX/2021 I did not receive the statement electronically which caused me to miss the payment. I called in serval times explain to different representatives and they were very mean and unprofessional, after serval calls to this company and serval threats that they would close my account if I did not pay or they would lower my credit limit they did lower my credit limit. This is unfair when it is the company 's fault that the payment was late. My limit is lowered and XXXX cant call again because of fear that the card will be closed next.
Product: Credit card or prepaid card

I own the Citi XXXX XXXX which showed XXXX as of XX/XX/2021 from an email. 

However, on XX/XX/XXXX the same account showed XXXX. I never used any points during this time period. 

I called Citi on XX/XX/XXXX and spoke to XXXX ( Citi thank you rep ) who informed me he was able to reinstate the XXXX points. 

However, after a few weeks passed I went into my account and saw none of the points were reinstated. 

I called Citi on XX/XX/XXXX and spoke to several reps who told me there was nothing they could do because the points were from a checking account that was closed. I told them the points were combined with the credit card account and nobody told me they would expire in 60 days. 

I asked if there were notes in my account from XXXX who told me the points would be reinstated and was told yes. 

I have been patient with Citi and find their actions to be fraudulent as I was promised the points would be reinstated. 

I am only asking for what was told to me by a recorded conversation which Citi can look up.
Product: Credit reporting or other personal consumer reports

I have already filed multiple complaints and due to the Fair Credit Reporting Actk, Capital One is failing to comply with the ACT. As required by law, Capital one has not satisfactorily investigated my claims. I am also feeling age and XXXX discrimination because when I call to try to explain that I AM NOT the person that opened the account, the agent on the line disrespects me and puts me on hold and one of them said they spoke with me already. I Assured them that They DID NOT speak with me. i feel they have broken the legal obligations to fairly investigate my information and make this right for me. I have been denied retirement and military right and services due to me under the AGENT XXXX XXXXXXXX XXXX  benefits because Capital One is reporting something that I NEVER opened. I wish to start a class action suit of somekind against this company for opening a credit card in my name without verifying that it was me. I believe they did this once before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the users affected in the security breach by Equifax. My personal information such as name, credit card, SSN, etc, was stolen. The only protection I was offered was a 90 day alert on my account. This breach will affect me for the rest of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I noticed a collection on my account with a social security number that was not the last 4 of mine. 
I called XXXX XXXX XXXX and spent hours and multiple days wanting information. They said they had no record and even though my credit alerted me that my information was breached through their company they could not do anything about it. 
I told Transunion about this, they acted like it was no big deal. 
I call the collection ( XXXX XXXX XXXX XXXX ) Wanting all details on this report. What it was on, the information ( they had an email, phone number and an account that I had not had ). I told them this. They said to file with XXXX XXXX XXXX. Once again, XXXX XXXX XXXX  couldnt help me. 
I got a letter from TRANSUNION saying that the collections was correct but no details on what it was for. 
I got on Transunion and started another dispute ( which the first dispute wasnt even noted in the transunion account ) I created the dispute, put in information I got from the collections agency and also that I had spent hours talking to XXXX XXXX XXXX about this. 

Got an email today that it had been deleted. 
They did NOTHING to solve this. XXXX XXXX XXXX did NOTHING.
Product: Credit reporting

A collection account was made against my credit report. I disputed this with Experian and Transunion and they were deleted from my credit report. Dispute several disputes made with Equifax over the past year, and additional several dispute made recently. I have provided Equifax with Proof of payment was made before this was sent to collection. I have provided them proof from the collector, that this will be deleted, yet it still remains on my credit report. Equifax claims they have investigated this but can provide no proof of any such investigation actually occurred. All the evidences shows this should have been deleted a very long time ago.
Product: Debt collection

XXXX XXXX XXXX have a auto account shouldnt be reporting XXXX XXXX XXXX
Product: Debt collection

I've answered a few of their calls but no one says anything. I tell them you called me so talk then I get a click, so I've quit answering. When I look up the number its from them. They never ever leave a voicemail and they come from lots of different numbers. Just saw the 7 calls in 7 days rule. I get at least that many in one day sometimes more. They start shortly after XXXX and go as late as XXXX. I get them 7 days a week, weekends and holidays. I personally feel its harassment. I have XXXX XXXXXXXX XXXX XXXX alot but have to put up with their calls. I now have my phone on silent. Please help! I have attached phone log for some of the calls. Please note there may be other calls in there as well
Product: Debt collection

Atlantic Recovery Solutions contacted my motherwho has no connection to my debtand left her a voicemail disclosing personal information about an alleged debt I owe. They also asked her to initiate a three-way call to reach me, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( b ), which prohibits discussing debt with unauthorized third parties. I never gave consent for them to speak with my mother or involve her in any way. This was a manipulative attempt to pressure me into communication. I have since issued a cease and desist letter and am reporting this incident due to their unlawful conduct and violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward for the quick deletions of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021