23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

None of the above choices fits my actual situation. 
I have a personal unsecured loan of $ XXXX that is currently paid down to {$11000.00}. Payments are approx. $ XXXX/mo. and continue for another 11 1/2 yrs. The account is current. Shellpoint Mortgage Servicing in XXXX, TX is the monthly collection firm on behalf of their investor client..who I was once told was XXXX XXXX XXXX. XXXX but have no confirmation. 
Because of a health issue and my age, I made a written offer in XXXX, 2016 to Shellpoint Mort. Serv. to pay off the balance at a reduced amount. I was told this offer was forwarded to their investor client for a decision. 
It has now been four months without the courtesy of any reply whatsoever on this cash offer. I continue to follow up with the representative at Shellpoint ( and later his Supervisor as well ) to get a response and am always told it is beyond their control and the decision rests with their investor client. They never provide any details on their follow up efforts after my phone calls nor do they ever keep me informed of any efforts on their part to get a resolution from their investor client. 
I 'm sick of the constant delay to respond to my letter and offer and my recent follow up phone calls. There is no excuse for not replying in four months. 
Your help in getting the matter resolved is very much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax over the phone after I discovered fraudulent credit inquiries on my credit report. The Equifax representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the Equifax representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my Equifax credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are removed from my credit report.
Product: Credit reporting

On XXXX/XXXX/2015 I wrote both Equifax and XXXX a letter requesting a removal of an unauthorized hard inquiry on my Equifax credit report. The letter sent to XXXX was returned as undeliverable from the US Post Office ( this was the same address listed on my Equifax credit report ). Equifax responded on XXXX/XXXX/2015 directing me to contact XXXX directly. After a complaint was submitted via the CFPB on XXXX/XXXX/2015, they responded today ( XXXX/XXXX/2015 ) again stating that I need to contact XXXX directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX 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

In accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive been a victim of identity theft and someone who stolen my identity apply for a XXXX account for the amount of {$2100.00} that account is fraud I never apply for that cellular company, the action that was taken was go tot the police department and file a identity theft report and a federal trade commission report.
Product: Debt collection

During this pandemic, I have conn 's credit account for a laptop they informed me they have no services available to defer my payments. I also have a mortgage and credit cards, we need help to defer these payments. what can I do if I have already contacted them. I informed them I have a shelter in place order. They still offered me no help. XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX Re : Account Number : XXXX  Original Creditor : Synchrony Bank To Whom It May Concern, This letter is a response to the notices I received from your company and, more significantly, due to the inaccurate reporting to the Credit Bureaus . I want to make it clear that this is not a refusal to pay but a notice sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), and other applicable consumer protection laws. I am requesting that the claim be disputed, and I am seeking validation. 
This is not a request for verification of the debt or proof of my mailing address. Instead, it is a request for validation pursuant to the FDCPA and any other relevant consumer protection laws. I am asking for competent evidence that I have any legal obligation to pay you. 
I request the following information : Clarification on the nature of the debt and the original creditor, XXXX XXXX. 
An explanation and breakdown of how the alleged debt was calculated. 
Copies of any documents demonstrating my agreement to pay the alleged debt. 
Verification or a copy of any judgment if applicable. 
Proof that the Statute of Limitations has not expired on this account. 
Confirmation of your licensing to collect in the state of New York. 
Provide license numbers and the Registered Agent or Agent of Service. 
I dispute this debt, and until such time as the requested information is provided, all collection activities must cease. 
Additionally, I would like to bring to your attention that if Portfolio Recovery Associates or any affiliated company reports invalidated information to any of the major Credit Bureaus ( XXXX, XXXX, or XXXX ), it may constitute a violation of both Federal and State Laws. Any negative mark found on my credit reports will prompt legal action against your company for the following : Violation of the Fair Credit Reporting Act ( FCRA ) Violation of the Fair Debt Collection Practices Act ( FDCPA ) Defamation of Character Furthermore, the listing of this debt may be considered double jeopardy, a potential violation of consumer protection laws. If this debt is indeed a duplicate or has been previously resolved, its re-reporting may lead to legal consequences. 
If Portfolio Recovery Associates fails to respond to this validation request within 30 days from the date of receipt, I request that all references to this account be deleted and completely removed from my credit report. A copy of such deletion request should be sent to me immediately. 
During this validation period, I also request that no telephone contact be made to my home or place of employment. All future communications must be in writing and sent to the address noted in this letter by USPS. 
I trust that Portfolio Recovery Associates will ensure the accuracy of its records before any legal action becomes necessary. This letter is an attempt to correct my records, and any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX, Bank of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BANK OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BANK OF XXXX XX/XX/XXXX
Product: Bank account or service

Missing funds from XXXX XXXX/2016 from job t account they said one person pulled all the money out without theothers on the account XXXX.want the documents to prove the money was withdraw money returned held moneyfrom account for an over payment on mothersdeceased ssi
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I lost my physical debit card, but thought I only had misplaced it. I noticed there was a charge on my Cash App card that I did not do. The charge was for {$47.00} on XX/XX/XXXX. Right before that there was an declined transaction for {$57.00} and after there were other attempts for {$200.00} and {$400.00} done the next day. All from the same merchant I do not have any other information as to what type of merchant this is besides it showing the name " XXXX '' and the icon showing an airplane. I don't always get the alerts for transactions as the app should do, so I was unaware of this charge until I went through my transactions. The charge had already fully posted by the time I cancelled the card and requested a new one. Cash App support will absolutely refuse to help if it's still pending. When I tried to dispute the transaction on the XXXX of XXXX, I also cancelled the card the same day I did the dispute. This dispute was not even processed by Cash App. I did not receive any correspondence on it whatsoever. It wasn't until I attempted to dispute it a second time that they provided me a response. They let me know that they believed my dispute to be fraudulent and denied it based on documentation they received. The documentation they provided me as proof simply states the physical card was used. Being as how the card was lost and not in my possession, it would make sense the physical card was used. They refused to provide additional information. My replacement card was approved and should be arriving in the mail any day now, however Cash App has took it upon themselves now to retaliate after I mentioned I would be making a complaint and removed my debit card privileges. I only discovered this after a very one sided conversation through email with XXXX who is a XXXX XXXX XXXX. He first went on to provide me information that my card information would return on the app and that I would be able to activate it when it arrived and he was very adamant in proving me wrong and telling me that there was nothing else he could provide me. Then he magically comes back with a response that he reached out to a different department and that in fact my debit card privileges were revoked but they did not provide him with a specific reason. But he went on to speculate that they were for violating cash app terms by completing a false dispute. I don't want to keep doing business with cash app any longer based on nothing more that just these interactions, but I do want my money back for a fraud transaction they will not dispute out of spite and pettiness. Their pattern clearly shows that they are being nothing but vindictive. If my replacement cash card was approved even after I did the initial dispute, why else would they revoke the privileges after I let them know I was doing a complaint. This company needs to be held accountable for the way they treat their customers. They are so used to getting away with their shady and underhanded business tactics, someone needs to regulate them. Who knows how many other fraudsters they helped steal people 's hard earned money.
Product: Credit card

Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as they inaccurately indicate late payments when I have a history of timely payments.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Balance : {$150.00} ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$5400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original creditor : XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXL Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding Robinhood restricting my account to closing only after I accessed it while traveling abroad. Robinhood requested proof of residence, which I promptly uploaded over two months ago. Despite this, my account remains restricted, and I have not received any meaningful updates.

I have attempted to contact Robinhood multiple times via email, as their platform provides no other means of support ( no phone or live chat options ). Each time, I received a generic response instructing me to upload documents again, even though I clearly stated that I already submitted the required proof of residence and that no option exists to re-upload anything on my account. 

Furthermore, each time I contacted support, my case was closed immediately after the automatic response without the ability to reply to them, or before the issue was resolved. 

This lack of resolution is preventing me from managing my investments, and Robinhoods unresponsiveness has left me with no way to resolve the issue.
Product: Prepaid card

I have a PayPal debit card and it used to work when I used it to make purchases in person at stores and then it all of a sudden stopped working and transactions were being declined when I tried to use the card. There was money available in the account and the purchases should have gone through however PayPal kept denying the purchases. I have contacted them numerous times and have spent many days and hours trying to get them to fix the issue which they have even stated is on their end but they refuse to fix the issue. They have promised a service and I have given them all my personal information in exchange for this debit card service and now they are not providing their part of the deal.
Product: Debt collection

i have XXXX and for some reason they are trying to charge me with an ER visit which should be cover by my insurance.
Product: Debt collection

On XXXX/XXXX/XXXX I lived in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX n.c. XXXX in XXXX XXXX where a fire ensued. I was covered by insurance in full through XXXX XXXX XXXX company of Florida. My insurance paid XXXX in the form of XXXX checks ( I submitted the documentation ) on my behalf collected by XXXX XXXX XXXX the property owners at the time. XX/XX/XXXX I received a bill from XXXX for the 2 mos remaining on my lease. When I called I was told to disregard it as my lease was void as of the fire ... I did. In XXXX my account was given/sold to National Credit Systems for XXXX. The information I am providing will contradict information I have received from NCS. NCS claimed on XXXX/XXXX/XXXX that my insurance paid XXXX. However my insurance has provided me documentation that they paid XXXX XXXX for the damages created by the fire. Therefore they have been overpaid and should have returned my deposit of {$400.00}. I do not owe a balance at all. In the past I have had my insurance call XXXX directly as well as contacted XXXX and XXXX the property owners to no avail. NCS will not release this debt as they wish to be compensated for purchasing a bad debt. Furthermore it is my understanding that Steeplechase\and or NCS had 3 years to file a judgement against us for this debt they did not and the timeframe has since expired so this should have been removed on that basis if not the fact that I have provided substantial proof from the 3rd party ( my insurance company ) that they were paid before this debt went to collections. NCS has also resubmitted this debt to the credit bureaus XXXX ( in order to keep it from dropping from my credit ) indicating that they have made contact with us. THEY HAVE MADE NO CONTACT WHATSOEVER SINCE XX/XX/XXXX, when I contacted them. There is no debt owed and I would like this removed from my credit and the credit of XXXX XXXX immediately.
Product: Credit reporting

I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. All of the information associated with this account is not my information nor does this company have a signed document by me.
Product: Mortgage

I requested to cancel my escrow account and Nationstar refuses because they say my LTV ratio is above 80 %. It is 89 % according to their calculation. This is not possible as I put down 20 % of the purchase price when I bought the home in XXXX of 2009. I am located in a very desirable neighborhood in XXXX, CO. This home has only gone up in value. I have paid my hazard insurance in full for the year, I have never missed a payment or even been late with a payment. This is a simple request that is well within my rights a responsible home owner and I have wasted way too much time trying to get this request fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I communicated with Capital One in request for validation for proof of debt. In addition to validation of debt of closed accounts listed. It is now XX/XX/2021 and Capital one has yet to furnish any type of verification/validation of debt. 

Rather, these accounts remain on my credit report more than 30 days post-dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have 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 card or prepaid card

Today CITI employee asked for SSN, I protested and he corrected last 4, I don't believe this was a mistake! XX/XX/XXXX a {$100.00} XXXX XXXX XXXX was stolen immediately after it was insured, it took me until XX/XX/XXXX to realize after I checked with XXXX who gave me a fraud case number and explained it is an inside job, I shared with CIT Thank You Points person who stated the points would be returned to my Thank You Points account, they have not and in the last year over 50 calls, emails, chat and 'how we doing " responses have been ignored. I am failing to get help from their customer service, I believe Citi are deliberately blocking these points because they are about to collapse, I have also noticed that there are thousands of missing points. I need your help. I have been a customer for almost 10 years, I pay my card off each month, I'm a reliable and patient consumer, but this is it, I don't trust them I need your help. Thank you, XXXX