23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX is reporting a debt balance of {$760.00} on all XXXX of my consumer credit reports. This debt balance was supposed to have been paided by XXXX when I switched from XXXX to XXXX in XXXX 2015. The debt balance was supposed to have been paided by XXXX as part of their Cut Your Bill in half advertisement. XXXX stated in their Cut your bill in Half promotion that when you switch to their company from your old cell phone provider that would pay the remaining portion of your prior bill. XXXX has not paid this balance and XXXX is reporting this balance to the XXXX consumer credit agencies. Since XXXX has not paid this balance then they are lying in their advertisement.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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: Debt collection

On  XXXX   XXXX ,    2017  I received another letter from  XXXX   XXXX   XXXX   XXXX  after I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided  Chase an d   XXXX   XXXX   with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Document  s i.e. State ID & Social. After receiving all the necessary documentation from me to block this fraudulent account from my credit profile per 605B of the FCRA they had removed it from my credit report.
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All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently began to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is   now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.
Product: Vehicle loan or lease

My leased car ended on XX/XX/2020. I continued to pay monthly payments as I did not feel comfortable going into the dealership when COVID 19 cases were high as I am a XXXX XXXX XXXX XXXX  and therefore consider high risk. On XX/XX/2020 when COVID 19 cases were lower, I turned in the leased XXXX and leased a new XXXX on that same day. At no time was I told or provided information that I owed a payment or any other amount for XXXX prior to signing the new lease. I clearly would have negotiated that in the new lease contract but was not given the opportunity to do so. I was also never told that if the payment for XXXX was not made, that information would be reported to the credit bureau. I simply turned in the car with NO ADDITIONAL information provided. This is deceptive!!!!!!
Product: Credit card or prepaid card

Unable to use gift cards, in the amount of XXXX {$200.00} dollar visa prepaid gift card, XXXX {$300.00} visa prepaid gift card, and XXXX {$200.00} mastercard prepaid cards via XXXXXXXX, even after verifying and attempts to us on multiple sites.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX is reporting a balance of {$5700.00} when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards, XXXX XXXX
Product: Checking or savings account

I woke up to my bank ( capital one 360 ) holding withdrawals for funds in my checking and savings account. 
I called and asked why this was and they said I had a high volume/risky XXXX  AND that someone XXXX me and claimed fraud. I did not recognize the name of who XXXX me and they were NOT IN my phone contacts when I asked why would they have not just returned the money the and let me know about it they proceeded to accuse ME of using XXXX for family and friends when all of my XXXX transactions are sent to solely family members thats are SAVED IN MY CONTACTS. THEY proceeded to tell me my account was closed and did NOT give me any information on when I will receive the money both in my checking and saving account. I proceeded to call multiple times to find out when I will receive my money, they then switched the story claiming We are still investigating but your account IS STILL CLOSED aswell we have no time for when the investigation will end and you will get your money.
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. 

Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Shellpoint Mortgage Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SC XXXX Through countless efforts, our issues with Shellpoint Mortgage Servicing Company, are ongoing, and have never been resolved to this day. As a last resort, on, XX/XX/XXXX, we filed a formal complaint with the Consumer Financial Protection Bureau. At which time, on, XX/XX/XXXX, Shellpoint responded, and offered a 30-pay pay-off. Unfortunately we were unable to acquire funds to facilitate that time frame. We reached out and spoke to XXXX on XX/XX/XXXX, and were granted a 30-day extension. 

On, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX, we received letter from Shellpoint, stating, due to the complex nature of the matter, Shellpoint respectfully requests additional time to respond fully. When in fact, the extended offer stated, In review of your settlement offer, Shellpoint is willing to settle the loan in full within 30 day at 90 % to 95 % of the current payoff balance. Per the enclosed payoff quote, the payoff balance is {$37000.00}. 

In pure frustration, on XX/XX/XXXX, we paid Shellpoint in full, the full payoff amount of, {$36000.00}. To our surprise, Shellpoint did NOT honor their settlement offer of, 90 % to 95 % of the payoff balance. 

On, XX/XX/XXXX, we received a confirmation letter from Shellpoint stating the loan has been paid in full. 

As of, XX/XX/XXXX, Shellpoint has never released the lien on our property, and our Credit Bureaus have NOT been updated to reflect the loan at a XXXX  balance, or that the loan has been paid in full. 
Utah requires the lien release be filed within 10 days ; In Utah, a lien claimant is obligated to record a Release of Lien once the lien claim has been satisfied, if a request is properly made by a party with an interest in the property. The release must be filed within 10 days from the date of the request. XX/XX/XXXX XXXX XXXX XXXX XXXX sent that request to Shellpoint along with the pay-off on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have sent in a dispute letter to have information provided that shows proof of debt and a contract. Have not received anything from the creditor reporting this debt.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle several times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately. They informed be that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. Would like to be reimbursed for the reported transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the below company has violated my rights. 

Company : XXXX XXXX ACCT # : XXXX 15 U.S.C 1681 Section 602 A States I have a 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. 

After inspecting my consumers report and coming across the company on my report I contacted the company. I even try to come to an agreement for a pay-to-delete, and they told me " They can not delete from my credit ''. By law they can not add to my report, but found a way to do so. I have received numerous phone calls and written letters from this company. I tried to work with them, but they continue to refuse to remove this account from report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX I received a call from Coinbase customer service ( See call log attached from initial complaint ). The rep stated that there was suspicious activity attempted on my account. At that point I told the rep to disable my account. After my account was disable, It took over 21/2 Months for Coinbase to allow me access to my account. They stated that at XXXX unautherized transactions were made from transferring out ( At today 's value over $ XXXX in crypto from my account ). They stated that someone sent a text message and was able to gain access/clone my account to access my login, password and 2 factor authentication. My two factor authenitaction is XXXX XXXX which changes every 30-45 seconds. TO gain access to this app my phone/SIM card would need to have been Cloned. I confirmed with my service provider XXXX XXXX XXXX that my acoount was NOT clone. They stated that if that happend, my service would have 100 % been interrupted and I would have had to go into the XXXX XXXX XXXX service center to restore my service, I DID NOT HAVE ANY SERVICE INTERRTION ON MY PHONE!. In addition, Coinbase stated that the call a received from their number was not them, that the Hacker cloned their number and called my to inquire about suspicious activity on my account THREE hours AFTER that took my crypto, which makes NO sense.

1. I have confirmed with XXXXXXXX XXXX XXXX that there was not suspicous access to my phone at ANY point 2. COntacting XXXX, of which Im sure they will confirm that the method that Coinbase stated my account was accessed that they could not have accessed my XXXX That only leaves that my Account was hacked from the Coinbase Network which I know they claim their network has Never been hacker to get customer info. The reality is that their findings on how my account was compromised is NOT true.

I am want Coinbase to RESTORE every Crypto that was taken from my account because my account was NOT compromised from my end!!
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. MIDLAND CREDIT MANAGEM XXXX XX/XX/2021 Balance {$440.00} ;
Product: Mortgage

I have had difficulties making my payments due to a decrease in income and because of my monthly expenses being to high. My hardship began back in 2012 when my significant other and I separated. The lose of his income caused me to fall behind on my expenses and even my mortgage. I am taking care of XXXX children with only XXXX income at this time. It is difficult to stay on top of my children 's expenses and household expenses. Before the situation was to hard to deal with I attempted to apply for a modification numerous times but was denied. I have been denied over and over again since 2012. This has caused an even greater hardship on myself. Not only have I lost my partner but I am constantly being reminded that I may loose my home. Due to my file being denied several times ; I keep falling further and further behind making it impossible to catch up. The current situation of possibly losing my home has caused so much XXXX on my family and I, that I am constantly sick. 
Please help my family and I keep the home where we have so many memories. Through this request I am seeking assistance in bringing the loan current, making my payment more affordable, and lowering the balance of my loan.
Product: Credit reporting or other personal consumer reports

During the XXXX pandemic, I was late one payment though I discussed this with XXXX XXXX. I was late only one payment due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told it would be excused and not reported as late. It was reported as late in XX/XX/year>.
Product: Bank account or service

I feel that my bank chase is withdrawing money or fees for insuffent funds.
Product: Debt collection

Due to being a victim of identity theft a fraudulent account with Lending club Corp was opened XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the natural person and consumer have never given written instructions to TransUnion to furnish a consumer report on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account on showing on all three of my credit reports on XX/XX/XXXX with XXXX XXXX. I contacted Experian on XX/XX/XXXX to show them the account with XXXX XXXX has no amount due because I settle the account for a lesser amount and XXXX  XXXX stated the account should no longer be showing a charged off status. I disputed the account for the same reason within the 7 days before disputing again and attaching my settlement email from XXXX XXXX. I submitted the email documentation but instead experian will not update the account to show its true status. Its no longer charged off or have a past due amount. This is affecting me getting a rental and they wont remedy the situation on their end.
Product: Debt collection

Early in XX/XX/2021 I set up automatic payments on my XXXX account from my Chase bank account, authorizing XXXX to collect my monthly payment due. On XX/XX/2021, XX/XX/2021 and XX/XX/2021 XXXX collected {$53.00} on each of those days respectively. 

On XX/XX/2021, XXXX advised me that my account was past due because I had not made payment. XXXX claimed that my bank, Chase, pulled back the money from them. However, my bank has no information or record of this happening and my Chase bank statements show that the money was never returned to my account. 

There is currently {$53.00} that was withdrawn from my Chase account by XXXX and unaccounted for.
Product: Checking or savings account

XX/XX/XXXX or so, I Open the acount at Citibank. upon opening the account. I deposited a {$150.00} from my XXXX XXXX account into the city priority account. I had did as well as setup direct deposit with XXXX XXXX XXXX which i recieve my XXXX XXXX XXXX benefits from my work. I have never even used my debit card. The reason I opened an account with Citi was because I've had my identity stolen twice this year and they had sign on benefits. I had my XXXX check depositwd around XX/XX/XXXX and Immediately my Account was locked and they called it a fraud alert, i called numerous times and every time it was always redirected to the fraud department, not given much information but telling me i had to wait for this letter with the reference number. After waiting 11 whole days with 0 money. I got it. Thinking this would save all the problems it only got worse. They went into tell me now my account would be closed within 30-60 days and I MAY rwcieve my money back via Check in the mail. No one could help me. I've called multiole times, seems as i may get some help and they look me up ans then they say the same thing and habg up on me with no explanation. Ive tried every reference online. Sent emails. Left complaints to each agency and nothing. 
I did file a complaint with them directly and got this number XXXX. 
My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Idaho XXXX. My phone number is XXXX. 
I am a XXXX XXXX XXXX with no income placed home and unable to work due to multiple inquiries due to a domestic situation. I am faced with no money to pay my bills and even facing eviction. Looks as if Citi gets this momma money too. How can this be legal?? How can they do this?
Product: Credit reporting or other personal consumer reports

There are multiple fraudulent inquiries on both my credit report and my XXXX XXXX XXXX consumer report XXXX XXXX XXXX dates are as listed : " XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

My XXXX  credit report shows fraudulent inquiries on the dates of
Product: Debt collection

I am being harassed multiple times each day by a debt collection " service. '' They insist on my providing personal identifying information in order to coerce me to pay a debt I do not have. I am over XXXX years old, and this is clearly elder abuse. Please make them stop harassing me.
Product: Checking or savings account

My name is XXXX XXXX please add this new complaint to CFBP case number XXXX I need claim number XXXX I need {$0.00} to be credit back into my account because I never requested it to be taken out of the account by yall and I need the claim to be reopen or appeal to be reopen to be investigated or credit the account back for {$0.00} or give me a onetime credit for {$0.00} because I really need that amount back and for claim number XXXX I need to know if {$23.00} was credit to my account or not if not please credit it or give me a onetime credit for it and look at my attachment below please. checking account number is XXXX and saving account number is XXXX and for the {$0.00} change the dispute type back I did authorize it isnt fraudulent and put the {$0.00} credit back into my account or give me a onetime credit for or give me the new decision after y'all reopen the claim dispute up to investigate it or appeal it to be reopen to investigate again and for the {$23.00} dispute it if you can do the other offer and appeal it to be reopen to be investigated again or reopen to be investigated again because I disagree with the decision and give me the new decision for the {$23.00} and give me both claims number for the both disputes payments for {$23.00} and {$0.00} payments and tell me if XXXX refund me for {$32.00} and also let me know if the claim that was denied for XXXX XXXX XXXX XXXX XXXX for {$150.00} was that claim dispute still denied after my request by cfbp to be reopen or appeal to be reopen to be investigated again because I disagree with the old decision and provide me the new decision after it was reopen or appeal to be reopen and investigation again etc. checking account number is XXXX and saving account number is XXXX and also give me the onetime credit for {$300.00} XXXX promise to get for the bonus for new customers I already meet the requirements for it because I was promised it but I never got it still or yet to my account before it was closed or after it was closed or was still open etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX  XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me